Credit Officer II

Key Responsibilities

• Lead client and prospect engagement related to credit and debt capital solutions, supporting business development and revenue growth
• Serve as a trusted advisor to clients, providing strategic guidance on capital structure, liquidity, and financing alternatives
• Structure and recommend tailored credit solutions aligned with client needs and risk parameters
• Lead negotiations of loan terms, covenants, and documentation
• Own and actively manage portfolio asset quality, including risk identification and mitigation
• Partner with Relationship Managers (RMs), Treasury Solutions Officers (TSOs), and product specialists to deliver integrated banking solutions across the platform
• Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards
• Provide mentorship, coaching, and oversight to junior underwriting and analyst team members

Core Skills & Competencies

• Credit structuring, financial analysis and underwriting expertise
• Risk assessment
• Portfolio management
• Loan documentation and negotiation
• Strong decision-making and problem-solving capabilities
• Client relationship management and advisory skills
• Collaboration across product and coverage teams
• Leadership, coaching, and talent development
• Strong written and verbal communication skills

Required Qualifications

• 10+ years of experience in commercial banking, including Middle Market, Leveraged Finance, Large Corporate, or similar business lines
• Strong technical skills, including financial statement analysis, underwriting, cash flow modeling, and credit structuring
• Ability to manage complex transactions and client relationships
• Excellent communication and interpersonal skills

Education

Bachelor’s degree (BA/BS) preferred

Shift

1st shift (United States of America)

Hours Per Week

40