Senior Wholesale Portfolio Risk Officer

• Underwrite Commercial & Industrial and Commercial Real Estate loans
• Make sound lending decisions within delegated lending authority and recommend loans requiring higher approval authority
• Analyze and interpret cash flows and banking lending risk guidelines through 100% manual underwriting
• Deliver end-to-end debt products for new loan requests across Wholesale Lines of Business and occasionally Retail
• Partner effectively with Relationship Managers
• Lead due diligence, credit package production, and approval processes
• Interact directly with clients by phone and/or in person
• Maintain current knowledge of client industry practices, benchmarks, standards, methodologies, structures, trends, and developments
• Ensure underwriting risk management processes are executed consistently, efficiently, and effectively
• Support client teams with Treasury Management, Loan Operations, and related functions
• Maintain asset quality by underwriting within the bank's policies, guidelines, and risk tolerances
• Ensure credit events and monitoring information are entered accurately into appropriate systems

Requirements

• More than 10 years of corporate/commercial banking experience or equivalent
• Completion of formal credit training is a critical prerequisite
• Strong communication and analytical/technical skills
• Knowledge of financial accounting and loan structuring
• Demonstrated business calling and negotiation experience
• Bachelor's Degree in a business-related major from an accredited college or university; or an equivalent combination of education and/or relevant professional experience may be considered in lieu of a degree
• Ability to comply with credit policies, guidelines, and applicable regulatory requirements

Core Competencies

Demonstrates extensive expertise in underwriting Commercial & Industrial and Commercial Real Estate loans, with a strong focus on risk management, credit analysis, and client interaction. Proficient in delivering debt products and maintaining asset quality while adhering to banking policies and regulatory requirements.

Highest-signal resume keywords

• Commercial Banking Experience
• Credit Training Completion
• Loan Structuring Knowledge
• Analytical Skills
• Communication Skills

ATS Optimization Keywords

Hard Skills

• Underwriting
• Cash Flow Analysis
• Risk Management
• Credit Package Production
• Debt Product Delivery
• Financial Accounting
• Loan Operations
• Regulatory Compliance
• Negotiation
• Due Diligence

Soft Skills

• Client Interaction
• Partnership with Relationship Managers
• Business Calling

Industry Keywords

• Commercial Real Estate
• Banking Guidelines
• Lending Authority
• Asset Quality
• Industry Practices
• Credit Policies
• Risk Tolerances
• Treasury Management
• Wholesale Lines of Business
• Retail Banking