Credit Officer II-Dealer Financial Svs

This role is responsible for managing, monitoring, and documenting credit risk for a portfolio of clients. Key responsibilities include monitoring changes in credit profiles, compliance with credit agreements, and structuring and underwriting new financing solutions across the Global Banking and Markets product spectrum. The position may involve assessing risk solutions consistent with the bank's appetite, coaching and leading team members, and serving as a line/credit approver in conjunction with risk management.

• Oversees and assesses the credit worthiness of borrowers based on due diligence findings, financial statement analysis, forecasting, analysis of company and industry risks, terms and conditions, and relationship profitability to provide high quality credit approval to Corporate Banking, Investment Banking, Global Markets, and Treasury.
• Exercises Delegated Approval Authority using sound judgment and expertise to make approval decisions for the business including new lending limits, structuring and negotiating deal terms, credit worthiness, annual reviews and renewals, risk ratings, and breach actions.
• Acts as a senior coverage team resource supporting ongoing credit matters and asset quality, maintaining adherence to the bank's risk appetite and risk strategies to mitigate losses while identifying opportunities to responsibly grow the loan portfolio.
• Leads new credit originations in coordination and collaboration with the coverage teams including Relationship Managers, Risk, Syndications, Treasury, and all other product partners.
• Negotiates and structures legal documentation related to loans and derivatives.
• Establishes appropriate internal risk ratings for clients and implements accurate adjustments throughout the client’s credit life cycle.
• Trains, coaches, and mentors Credit Analysts and Associates.
• Serves as a key member of the Commercial Client Team in handling the client’s financial needs, ensuring that the overall client experience is favorable, and that the bank is in a position to expand the relationship. Interacts with clients and prospects to understand their financial goals and objectives, current and future financial performance, and their needs and desires for their banking relationship.
• Provides guidance and oversight of underwriting, structuring, and documentation of credit requests on an assigned portfolio.
• Evals the financial standing of the client or prospect and suggests changes to help optimize the relationship.
• Underwrites and structures complex credit transactions with minimal oversight.
• Travel to dealer clients for face‑to‑face interaction.
• Involved in the negotiation and closing process for transactions in portfolio.
• Monitors the assigned portfolio to maintain credit quality, ensuring timely recognition and management of any changes via the bank's proprietary risk rating tool, and reviews various compliance, exception and past‑due reports.

• Minimum of 7 years of commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization.
• Strong knowledge and comprehension of loan and collateral documentation.
• Ability to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to managers and risk officers.
• Confidence and ability to develop an independent viewpoint and present a business case to support conclusions.
• Excellent relationship management skills, experience working in a team environment, and ability to influence diverse constituencies toward consensus.
• Coaching and mentoring skills.
• Strong Microsoft Office skills.

• Minimum of 10 years of commercial credit underwriting and analysis with a commercial bank or OEM captive finance organization in the auto retail space and direct customer‑facing experience in a goal‑oriented environment.
• Bachelor’s degree in Finance or Accounting.

• Analytical Thinking
• Credit and Risk Assessment
• Financial Analysis
• Loan Structuring
• Underwriting
• Attention to Detail
• Business Acumen
• Financial Forecasting and Modeling
• Research Analysis
• Written Communications
• Business Development
• Collaboration
• Critical Thinking Portfolio Analysis
• Stakeholder Management
• Business Acumen
• Coaching
• Decision Making
• Hiring and Onboarding
• Loan Structuring
• Collaboration
• Credit Documentation Requirements
• Oral Communications
• Risk Management
• Change Management
• Client Solutions Advisory
• Executive Presence
• Organizational Effectiveness

Shift: 1st shift (United States of America)

Hours per week: 40

Pay range: $ – $ annualized salary.

The role is eligible to participate in the annual discretionary plan and is benefit‑eligible with industry‑leading benefits, paid time off, and other resources.