Credit Product Specialist – Financial Institution Group, Diversified Financial Institutions

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)