Credit Products Specialist II - Corporate Banking

Job Responsibilities

• Credit Structuring & Underwriting: Lead underwriting efforts for complex corporate banking loan requests, assessing creditworthiness, preparing credit approval packages and recommending risk-mitigating structures.
• Portfolio & Risk Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns. Responsible for facilitating timely upgrades or downgrades of risk ratings.
• Client & Stakeholder Engagement: Partner with RMs in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Credit Agreement Review: Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• Mentorship & Training: Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture. Identifies and raises to leadership improvement areas in credit processes and procedures.
• Uses independent judgement and discretion to make decisions regarding assigned portfolio
• Analyzes and resolves problems pertaining to the assigned portfolio.

Job Requirements

• Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
• Minimum experience required: 4+ Years in corporate banking or leveraged finance credit analysis, underwriting, or portfolio management
• Advanced financial modeling and risk assessment expertise
• Strong negotiation skills and ability to collaborate with clients
• Strong written and verbal communication skills
• Experience structuring complex leveraged corporate banking loan transactions
• Experience underwriting participations in syndicated leveraged corporate banking transactions. Ability to analyze macroeconomic trends and their impact on credit risk.