AVP, Credit Officer

Mitsubishi HC Capital America, Inc. – AVP, Credit Officer

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$/yr – $/yr

Reviews, underwrites, and processes new transactions in Specialty Finance, with a specific focus on franchise finance. The position holder has at least 6 years of experience in at least one of these segments, and is expected to build up expertise and support the origination efforts in additional segments over time. Assist in developing and training junior credit officers.

The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.

• Understand MHCA’s credit policies and operational procedures.
• Perform in-depth underwriting and financial evaluation of new business transactions within franchise finance.
• Expand expertise in the franchise finance segment and, over time, develop knowledge in additional segments within Specialty Finance (e.g., asset‑based lending, project finance, private credit, large‑ticket equipment leasing, or trade finance).
• Prepare and present the initial pre‑screen memo to senior sales and credit staff, including financial analysis, and address credit concerns in collaboration with sales/origination staff.
• Prepare the comprehensive underwriting memorandum, including industry analysis, structural analysis, and financial analysis with sensitivity analysis, documentation of compliance with underwriting guidelines, and preparation of the obligor rating.
• Decide on transactions within delegated credit authority (if applicable).
• If transactions exceed delegated credit authority, recommend approval to senior management and present to the local Credit Committee as required.
• Coordinate with third‑party resources (field auditors, appraisers, external legal counsel) as part of due diligence and documentation processes.
• Coordinate with sales and credit to onboard new clients (including establishing initial funding and operating procedures) and determine appropriate reporting requirements.
• Manage transaction documentation and closing process, ensuring that actual terms and conditions reflect credit approval.
• Liaise with the Portfolio Management Team to monitor client financial conditions and identify adverse trends.
• Assist portfolio managers in reviewing credit amendment requests or processing annual reviews for existing clients.
• Manage Salesforce records and information files for pipeline transactions.

• Deals evaluated.
• Deals completed (fundings, assets, and fee income).
• Credit analysis quality.
• Portfolio performance.

• Extensive knowledge of credit evaluation, financial, collateral, and cash flow analysis (including projections/modeling).
• Extensive knowledge of structuring, underwriting, and documentation practices related to franchise finance transactions.
• Advanced technical skills (Excel, PowerPoint, Word, etc.).
• Excellent verbal and written communication skills; experienced presenting to senior level executives.
• Understanding of multiple industry dynamics and economic impact on credit quality and structure.
• Strong interpersonal, organizational, and communication skills.
• Team player with a positive attitude.
• Critical thinker that can look “out of the box” for solutions.
• Time management: ability to organize and manage multiple priorities and complete them timely and accurately.

• Bachelor's degree from a four‑year college or university.
• 5+ years of experience in franchise finance or related financing segments.
• Formal credit training, including financial modeling training (corporate or project finance).

• Medical, dental, and vision plans.
• 401(k) and matching.
• Paid Time Off.
• Company‑paid life insurance.
• Employee Assistance Program.
• Training and development opportunities.
• Employee discounts.

The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change as the needs of the employer and requirements of the job change. The position is exempt and the salary will be between $ and $, with an opportunity to earn a discretionary annual bonus.