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Office Status: Hybrid
Salary: $110,000 – $230,000
Responsibilities:
• Oversee the credit analysis and review process for a portfolio of accounts
• Carry out financial and credit risk analysis based on company, industry, market and competitor research
• Evaluate risk aspects of transaction terms and conditions consistent with Bank policies
• Prepare credit reports in liaison with account officers and interact with various departments including credit risk and presenting recommendations to approval committees
• Manage the covenant review and collateral monitoring process for asset-based loans
• Manage a portfolio of accounts maintaining customer files, managing KYC requirements, conduct post-lending monitoring by analyzing interim and annual financials to address periodic reviews or specific client requests while interacting with credit risk and other departments
• Identify and originate new client relationships
• Identify credit needs of the client and determine appropriate product choice to satisfy these needs and obtain credit limits in accordance with the Bank’s guidelines
• Maintain active calling schedule and prepare call reports
• Negotiate credit agreement, term sheets/pricing/trade confirmations, and monitor clients credit status and business activities
• Prepare credit proposals and conduct financial analysis review for credit proposals
• Assess profitability and risk of new loans and other products
• Coach junior staff and stay abreast of and analyze the industry and market developments
• Originate business from target/existing clients
• Determine product pricing by utilizing market research data and pricing guidance from the Bank
• Cross-sell Bank products and deposit services, identify cross-selling opportunities and improve wallet share and risk/reward ratio
• Provide updates to management about marketing efforts, deals in pipeline and closed transactions
