Credit Officer II - Asset Finance

Job Overview

Responsible for managing clients and related credit products, partnering with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship. Key functions include underwriting, monitoring, and documenting credit risk for an asset‑based lending (ABL) portfolio.

• Assess clients’ credit needs in collaboration with relationship management and product partners.
• Drive credit and risk approval processes for new credit originations, renewals, increases, and modifications.
• Lead ongoing portfolio monitoring to ensure compliance with regulations, policy, and procedure.
• Drive the growth of funded loans and revenue while mitigating risks and maintaining asset quality.
• Serve as an escalation point for complex credit transactions.
• Mentor and support associates.
• Oversee credit assessment and approval by evaluating borrower creditworthiness through financial analysis, forecasting, risk assessment, and due diligence.
• Structure and approve transactions, including lending limits, deal terms, risk ratings, renewals, and breach actions.
• Act as a senior advisor on credit matters and partner with cross‑functional teams to ensure accurate risk ratings and proactive asset‑quality management.

• 7+ years of experience in asset‑based or commercial lending.
• Experience monitoring the credit health of asset‑based or commercial lending clients.
• Strong knowledge of loan and collateral documentation.
• Ability to analyze borrower financial picture and deliver comprehensive risk analysis to managers and risk officers.
• Confidence to develop an independent viewpoint and present a business case.
• Excellent relationship management, team collaboration, and influence skills.
• Coaching and mentoring experience.
• Proficiency with Microsoft Office (Excel, Word, Outlook, PowerPoint).

• Bachelor’s degree in accounting and/or finance.
• 10+ years of asset‑based or commercial lending experience.
• Business acumen, decision‑making, loan structuring, collaboration, credit documentation, oral and written communication, client solutions, underwriting, analytical thinking, attention to detail, financial analysis, forecasting, modeling, and research.

Shift: 1st shift (United States). Hours per week: 40.

Annual salary range: $99,000.00 – $ (based on experience, education, and skill set). Eligible for discretionary incentive plan and benefits package.