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Credit Product Specialist – Financial Institution Group, Diversified Financial Institutions
Job in
Elizabeth, Union County, New Jersey, 07215, USA
Listed on 2026-07-14
Listing for:
Jobtailor
Full Time
position Listed on 2026-07-14
Job specializations:
-
Finance & Banking
Credit Analyst, Risk Manager/Analyst
Job Description & How to Apply Below
Responsibilities
- Serves as a market level credit product expert
- Structures and advises clients on various types of credit and credit-related transactions to meet clients needs while staying within the Bank's risk profile
- Responsible for the entire execution of credit related products and all other credit products including but not limited to ACH, FX, EF and Derivatives
- Manages the diligence/approval process and negotiate all legal documents and closing
- Partners effectively with the Relationship Banking team to help identify and drive revenue through credit products
- Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and on-going communication with the clients
- Collaborates with RMs and other product partners (i.e. TM, FX, DCM) to assess credit needs generate ideas and deliver integrated solutions
- Able to assess industry dynamics to advise on the best solutions
- Participates in client and prospect calls in conjunction with the RMs
- Responsible for structuring credit transactions within the Banks credit risk appetite
- Leads internal white boarding and diligence sessions to assess viable solutions
- Drives the internal credit approval process, loan documentation and closing
- Responsible for the indirect management of a team of employees to handle all aspects of the credit process
- Plays a key role in training, mentoring and developing junior talent
- Analytical Thinking
- Commercial Real Estate
- Competitive Advantages
- Consumer Lending
- Credit Risk Management
- Data Analytics
- Decision Making
- Financial Operations
- Portfolio Risk
- Risk Appetite
- Client Relationship Management
- Credit Analysis and Verification
- Decision Making and Critical Thinking
- Effective Communications
- Financial Analysis
- Knowledge of Underwriting
- Negotiating
- Portfolio Management
- 8+ years of industry relevant experience
- University/college degree
- Higher level education such as a Masters degree, PhD, or certifications is desirable
- In lieu of a degree, a comparable combination of education, job specific certification(s), and experience (including military service) may be considered
- University/college degree
- Masters degree
- PhD
- Job specific certification(s)
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