Credit Officer II - Asset Lending

Job Description

Credit Officer II is responsible for delivering credit solutions and managing risk for a portfolio of asset-based lending clients.

• Partners with relationship management and product partners to assess clients’ credit needs and create solutions
• Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners
• Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications
• Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure
• Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements
• Serves as an escalation point for complex credit transactions
• Mentors and supports associates
• Manages a portfolio of asset-based structured loans in the general industries space
• Proactively identifies credit solutions and opportunities to grow funded loans and spreads
• Actively monitors financial and collateral trends and recommends appropriate action
• Review requests for loan modifications
• Analyzes financial performance, negotiates credit terms, drafts proposals, reviews and negotiates loan documents, and oversees preparation of recommendations for approval
• Participates in building client relationships
• Handles both performing credits as well as distressed/turnaround credits, including managing accounts through restructuring and bankruptcy processes

• 10+ years’ experience in asset-based lending, commercial banking, or private credit
• Sound understanding of credit, transaction structuring, and financial and collateral analysis
• Detailed understanding of legal documentation
• Ability to draft concise, accurate and clear credit approvals with minimal oversight

• Bachelor's or Master’s degree or equivalent experience preferred
• Formal Credit Training
• Experience with bankruptcy and restructuring matters

• Business Acumen
• Coaching
• Decision Making
• Hiring and Onboarding
• Loan Structuring
• Collaboration
• Credit Documentation Requirements
• Oral Communications Risk Management
• Written Communications
• Change Management
• Client Solutions
• Advisory
• Executive Presence
• Organizational Effectiveness
• Underwriting
• Attention to Detail
• Client Management
• Critical Thinking

Shift: 1st shift (United States of America)

Hours per week: 40

Pay range: $ - $ annualized salary, offers to be determined based on experience, education and skill set. Discretionary incentive eligible. This role is eligible to participate in the annual discretionary plan.

This role is currently benefits eligible. We provide industry-leading benefits, access to paid time off, resources and support to our employees so they can make a genuine impact and contribute to the sustainable growth of our business and the communities we serve.

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