Credit Officer, Global Wealth & Investment Management

Job Description:

The GWIM Credit Officer acts as an extension of the Credit Advisors. The Credit Officer is responsible for actively developing and supporting strategies to identify and deliver credit opportunities (e.g., LMA, ISBL, PCL, Custom Lending & Margin) to Financial Advisors’ existing wealth management clients and prospects. These responsibilities are achieved by ensuring wealth management clients are knowledgeable of the Bank’s full suite of GWIM credit solutions and by supporting the flawless delivery of these solutions through a high‑touch advisor/client experience.

The primary mission of the Credit Officer is to establish new credit relationships with the financial advisors’ wealth management clients/prospects in addition to supporting/expanding existing GWIM credit relationships with the intent of generating balance and revenue growth with appropriate risk‑adjusted returns. The Specialist will work with Financial Advisors, Wealth Management Clients, GWIM Custom Lending Credit Advisors, GWIM Credit leadership, Risk Management and other specialist organizations to meet these objectives.

• 3 years of progressively responsible experience in the job offered or a related finance / banking occupation

• Bachelor’s degree or equivalent in Finance, Business Administration, Financial Economics, or related
• Prefer 3 years of experience in each of the following:
• Marketing and selling Private Wealth credit solutions with a goal to engage and influence audience behavior to address the lending needs of clients;
• Cultivating relationships with clients and Financial Advisors to identify credit opportunities and grow lending business;
• Negotiating with Underwriting and Risk on behalf of the client to structure sound loans including securities‑based loans, Commercial real estate loans, Recreational real estate loans, Hedge Fund loans, Fine Art loans, Yacht loans, Unsecured loans, and other miscellaneous loans;
• Conducting financial analysis including ratio analysis, DSC analysis, and collateral evaluations to determine viability of loan opportunities;
• Assessing existing portfolio of loans ensuring compliance with financial covenants and reporting, resolving margin calls, and debt service failures.

• Attention to Detail
• Business Development
• Loan Structuring
• Portfolio Management
• Relationship Building
• Active Listening
• Analytical Thinking
• Client Management
• Customer and Client Focus
• Profitability Analysis
• Collaboration
• Financial Forecasting and Modeling
• Pipeline Management
• Sales Performance Management
• Sales Strategy

High School Diploma / GED / Secondary School or equivalent

1st shift (United States of America)

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