Credit Officer II-Covered/Commercial Real Estate Banking

Key Responsibilities

• Partners with relationship management and product partners to assess clients' credit needs and create solutions
• Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners
• Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications
• Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements
• Serves as an escalation point for complex credit transactions
• Mentors and supports associates
• Led the deal team for new originations, modification and structuring of Bank debt and equity
• Manages the underwriting of secured and unsecured transactions to Commercial Real Estate clients, including real estate secured construction and term debt, tax credit equity investments, unsecured corporate revolvers, bridge financing, commercial agency warehouse lines, and subscription lines
• Oversees underwriting once a credit opportunity is mandated, including the requisite due diligence, preparation of the approval request documents, receipt of final loan approval on a timely basis, and resolution of any due diligence/underwriting challenges in the loan closing process
• Leads new credit originations and structures loans in collaboration with the relationship coverage team, products partners, Risk, Syndications, and Treasury
• Manages the end-to-end process for loan and equity originations, modifications and extensions on existing loans including structuring, due diligence, gaining approval, and closing
• Engage legal counsel / oversee document review and closing process
• Assists and advises the Commercial Real Estate Banking portfolio monitoring and asset management groups on any post-closing actions, as needed

Job Expectations

• Credit-focused client management responsibilities
• Independent thought leadership
• Strong leadership skills
• The ability to provide feedback to less experienced teammates
• May also manage a team

Qualifications

• 5+ years in a tax credit lending and investing related field, as well as demonstrated financial analysis experience
• Solid experience in financial analysis, structuring, underwriting and portfolio management, strong communication and analytical/technical skills, including financial accounting, modeling and loan structuring and documentation
• Familiarity with core banking products
• Understanding of the regulations that govern Banking and CRE lending
• Maintains knowledge of other banking products including Investment Banking, Interest Rate Hedging, and Treasury Management that have credit exposure, and leverages product expertise to deliver the best possible and optimally integrated strategic solution for the client or prospect
• Requires expertise in the origination of tax credit equity investments as well as debt. Knowledge of tax program requirements, financial concepts and commercial real estate required

Desired Qualifications

• Bachelor’s degree in finance or equivalent work experience
• Credit trained, financial modeling proficiency
• Credit Center proficiency, understanding of compliance and tax requirements; real estate and contract negotiation experience