Credit Officer II-Dealer Financial Svs

Responsibilities

• Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury
• Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions
• Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly growing the loan portfolio
• Led new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners
• Negotiates and structures legal documentation related to loans and derivatives
• Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client's credit life cycle
• Trains, coaches, and mentors Credit Analysts and Associates
• Serves as a key member of the Commercial Client Team in handling the clients financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship. Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship
• Includes an evaluation of the financial standing of the client or prospect and the appropriateness of the existing or proposed credit structure, and suggestion of any changes to help optimize the relationship
• Underwrite and structure complex credit transactions with minimal oversight
• Some travel time with face-to-face interaction with our dealer clients
• Involves in the negotiation and closing process for transactions in portfolio
• Oversees the monitoring of their assigned portfolio to maintain credit quality, and to ensure timely recognition and management of any changes via the use of the bank’s proprietary risk rating tool, and the review of various compliance, exception and past due reports

Requirements

• Minimum of 7 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization.
• Strong knowledge and comprehension of loan and collateral documentation
• Able to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to manager and risk officers
• Confidence and ability to develop an independent viewpoint and present a business case to support conclusions
• Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus
• Coaching and mentoring skills
• Strong Microsoft Office Skills

Qualifications

• Minimum of 10 years commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space. Direct customer-facing experience in a goal-oriented environment.
• Bachelor’s degree in Finance or Accounting