RECB Credit Delivery Associate

Position: RECB Credit Delivery Associate I
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Regular Language Fluency:  English (Required)

Work Shift:

1st shift (United States of America)
Please review the following job description:

Responsible for the financial analysis, risk assessment and credit structure recommendation for Commercial Real Estate clients and prospects. This includes prudent underwriting and effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, data integrity, portfolio reporting and client support. Collaborate with Relationship Manager to identify credit worthy projects within targeted markets and assist in the prioritization of relationship calling strategies.

Supplement analysis with portfolio data, research and property level evaluation from a wide variety of internal and external sources to develop an assessment of client, competitor, property segment, market and industry risks and trends.

ESSENTIAL DUTIES AND RESPONSIBILITIES Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time.
1. Responsible for leading the due diligence, developing credit underwriting and structuring on new money, renewals and reviews, making independent recommendations based on assigned components of the deal. Acts as author and creates initial view of risk based on experience and skills.
2. Works independently and with Portfolio Manager researching and qualifying prospects and underwriting new opportunities. Applies understanding of credit risk to evaluate and recommend new requests balancing risk /return for the Bank.
3. Completes performance and monitoring activity for assigned portfolio to include overall portfolio management, client risk assessments, required risk monitoring activity and understanding of current industry and market trends.
4. Serve as a client and internal point of contact in managing assigned portfolio. (May include site visit and/or visit with client management team)5. Serves as source of real estate underwriting knowledge and expertise, which includes understanding of current industry and/or market trends.
6. Responsible for leading credit presentation preparation and discussions with Credit Officer and other final approvers.
7. Mentors and coaches Portfolio Analyst.

Qualifications

Required Qualifications The requirements listed below are representative of the knowledge, skill and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
1. Bachelor’s degree in Finance, Accounting, Economics or Business, or an equivalent combination of education and work experience.
2. Possess appropriate Investment Banking licensure including Series 79 (Investment Banking Representative) and Series 63 (Uniform Securities Agent State License)3. 3+ years of experience in underwriting, portfolio administration or commercial loan credit decision-making
4. Experience in underwriting, structuring and closing direct and syndicated loan…