Credit Products Specialist I - ESOP Finance

Job Responsibilities

• Aid Relationship Managers in analyzing financial statements and assessing borrower creditworthiness.
• Create and prepare credit approval packages.
• Maintain and monitor financial trends, covenants, and borrowing bases to identify potential credit risks.
• Recommend actions to mitigate identified risks.
• Collaborate with sales and credit teams to structure deals and address underwriting inquiries.
• Support client needs by acting as a mentor to analysts and sharing expertise in financial analysis, credit structuring, and risk assessment.
• Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
• Use independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.

Job Requirements

• Education: Undergraduate degree in Finance, Accounting, Economics, or a related field, or 5+ years of equivalent experience.
• Experience: 2+ years in credit underwriting, portfolio management, or a related field.
• Skills: Strong financial analysis and risk assessment abilities; proficiency in financial modeling and credit decision tools; effective communication and teamwork skills.