Credit Products Specialist II – Leisure, Hospitality & Gaming

• Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.
• Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
• Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
• Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• 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.

• 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.

Demonstrates expertise in commercial credit analysis, underwriting, and portfolio management, with a strong focus on financial modeling, risk assessment, and negotiation. Capable of leading teams and enhancing credit processes while ensuring compliance with bank policies.

• Commercial Credit Analysis
• Underwriting
• Risk Assessment
• Negotiation Skills

• Credit Risk Assessment
• Portfolio Management
• Loan Structuring
• Macroeconomic Analysis
• Credit Agreement Review

• Collaboration
• Problem Solving
• Leadership

• Specialized Commercial Industries
• Capital Markets
• Corporate Commercial Banking