Credit Products Specialist II - Sponsor Finance

Job Responsibilities

• Credit Structuring & Underwriting: Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.
• Portfolio & Risk Management: Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Client & Stakeholder Engagement: Partner with sales 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

• Required Qualifications:
• 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 commercial credit analysis, underwriting, or portfolio management.
• 4+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.).
• Advanced financial modeling and risk assessment expertise.
• Strong negotiation skills and ability to collaborate with clients.
• Experience structuring complex loan transactions.
• Ability to analyze macroeconomic trends and their impact on credit risk.

Job Competencies

• Advanced Financial & Credit Analysis: Strong command of financial modeling, industry-specific credit risks, and structuring commercial credit transactions.
• Risk Assessment & Decision-Making: Ability to proactively identify potential credit risks and recommend risk mitigation strategies.
• Negotiation Skills: Works with RMs and clients to structure loan terms that align with both client needs and risk parameters.
• Process & Portfolio Management: Manages complex portfolios, ensuring proactive monitoring and adherence to credit policies.
• Stakeholder Influence: Builds strong relationships with internal and external partners, effectively communicating credit decisions.
• Project Management: Ability to drive loan structuring and closing processes with minimal oversight.
• Legal & Compliance Understanding: Familiarity with credit agreements, loan documentation, and regulatory requirements.
• Technology & Data Utilization: Proficiency in financial analysis tools, CRM systems, and underwriting software.
• Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights.
• Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results.
• Built trusted client relationships, whether internal or external, by identifying needs and delivering tailored solutions to enhance the overall client experience.