Credit Officer, Vice Present - Asset Based Lending

Job Responsibilities

• Lead all aspects of the credit relationship, including credit analysis, financial modeling and coordinating credit approval for all products including loans, derivatives, leases and cash management
• Proactively support and enhance client relationships
• Assign and assess internal ratings, risk assessment and risk mitigation
• Recommend changes in structure or account management strategy to address negative trends
• Audit monthly, quarterly and annual financial statements and borrowing base reporting
• Provide leadership in structuring and negotiating Credit Agreements, amendments and waivers
• Manage and monitor loan products including affirmative, negative and financial covenant compliance
• Manage ongoing communication with bank group members as well as with other team members
• Interpret collateral appraisals and field exams
• Ongoing monitoring of collateral trends and liquidity, establishing reserves and recommending appropriate course of action to address issues
• Effectively challenge Banking Teams, partner with Debt Capital Markets, Treasury Services, Leasing, Derivatives and Loan Operations
• Communicate with Senior Management, respond to regulatory requests and maintain internal credit files
• Train and mentor junior team members

Required Qualifications, Capabilities And Skills

• Bachelor's degree, required
• 5+ years of experience in commercial banking, credit risk, portfolio management and underwriting
• Strong understanding of capital markets, financing structures, derivatives and cash management products as well as related documentation
• Excellent communication skills - both written and verbal
• Strong interpersonal and relationship development skills
• Proficiency in Microsoft Excel, Word, PowerPoint and Outlook

Preferred Qualifications, Capabilities And Skills

• Bachelor's degree in Accounting or Finance, preferred
• Asset Based financing knowledge strongly preferred
• Formal credit training