SVP, Senior Credit Officer – Commercial Real Estate & Healthcare

Full Time

Madison-Davis

EXTERNAL CLIENT ROLE

Job Summary:

  • Ensure the quality of potential credits through accurate and timely credit analysis, provide appropriate reports to senior management, and manage the asset quality process.
  • Prepare Head Office-311 consultation memos for the bank’s credit committee.
  • Review and recommend credit requests as a member of the bank’s credit committee.
  • Monitor policies, standards, process and procedures for the granting, monitoring and collection of credits.
  • Ensure compliance with local and Head Office legal lending limits.
  • Assist with the credit policy and loan administration functions
  • Ensure compliance with laws and regulations pertaining to the extension of credit.
  • Perform other duties, as assigned, which fall within scope of responsibility.

Qualifications:

  • 20+ years of progressively responsible commercial banking in the credit management and approval process
    • Credit administration,
    • Analysis and lending;
    • Working with regulators on credit and risk matters.

Knowledge:

  • Strong knowledge of the Commercial Real Estate industry, with significant experience in adjudicating credit in the following sub sectors:
    • Residential condo construction
    • Multi-family construction
    • Hospitality
    • Industrial
    • Land
  • Skilled Nursing Facilities, Assisted Living Facilities, Memory Care Facilities. (OpCo & PropCo)
  • Extensive knowledge of relevant legal and regulatory issues
  • Solid analytical skills and extensive experience in complex corporate financial statements, cash flow analysis, real estate valuation and corporate finance techniques.
  • Must be able to effectively partner with the first line while maintaining independence in adjudicating credit.
  • Advanced knowledge and training in credit analysis and cash flow concepts required.

Skills

  • Skilled at developing tactics and strategies to resolve complex Credit issues.
  • Expert communication skills (both oral and written) for presentations.
  • Must have the ability to organize and prioritize and have solid problem solving and decision making skills.
  • Loan workout experience desired.
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