Credit Products Officer - National Franchise Banking

About The Role

Responsible for review, analysis, and evaluation of credit data for specialized and complex Franchise Finance credit requests. The role performs initial financial spreading, modeling, and analysis; assists VP and SVP Credit Products Officers with preparing decision-ready credit memoranda; executes ongoing monitoring (annual reviews, covenant compliance, early warning indicators, criticized/problem credit support) in partnership with Credit Products Officers; manages and maintains internal databases containing industry trends and portfolio monitoring.

• Collect, spread, and analyze business, industry, financial data and other supporting credit information concerning a client or prospect’s credit request. May include evaluation of enterprise-level and unit-level performance drivers (store sales trends, margins, labor and food cost sensitivity, operating leverage, and multi-unit execution risk).
• Monitor borrower financial performance in line with commercial and/or real estate loan documents; spreads financial statement and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Ensures borrower notifications are sent and approvals are obtained to resolve any violations in a timely manner.
• Performs financial modeling and projections of client provided financial statements, including bank case and stress case scenarios, ratio analysis, and comparison to industry benchmarks.
• Assist VP and SVP Credit Products Officers to prepare timely, concise and accurate credit recommendations for submission to next level of authority.
• Responsible for collection of financial information and conducting analysis by generating, running, and utilizing system-generated reports
• Presents facts and offers opinions to Commercial Relationship Managers and VP and SVP Credit Products Officers concerning client and prospects credit worthiness. Provides exemplary customer service to internal and external clients.
• Demonstrates compliance with all bank regulations for assigned job function and applies to designated job responsibilities – knowledge may be gained through coursework and on-the-job training. Keeps up to date on regulation changes.
• Follows all Bank policies and procedures, compliance regulations, and completes all required annual or job-specific training.
• Maintain a working knowledge of Bank's written policies and procedures regarding Bank Secrecy Act, Regulation CC, Regulation E, Bank Security and other regulations as applicable to this job description.
• Actively learns, demonstrates, and fosters the Columbia corporate culture in all actions and words
• Takes personal initiative and is a positive example for others to emulate.
• Embraces our vision to become “Business Bank of Choice”
• May perform other duties as assigned.

Responsible for review, analysis, and evaluation of credit data for specialized and complex Franchise Finance credit requests. The role performs initial financial spreading, modeling, and analysis; assists VP and SVP Credit Products Officers with preparing decision-ready credit memoranda; executes ongoing monitoring (annual reviews, covenant compliance, early warning indicators, criticized/problem credit support) in partnership with Credit Products Officers; manages and maintains internal databases containing industry trends and portfolio monitoring.

• Collect, spread, and analyze business, industry, financial data and other supporting credit information concerning a client or prospect’s credit request. May include evaluation of enterprise-level and unit-level performance drivers (store sales trends, margins, labor and food cost sensitivity, operating leverage, and multi-unit execution risk).
• Monitor borrower financial performance in line with commercial and/or real estate loan documents; spreads financial statement and/or ensures required financial statements are spread in accordance with Bank Guidelines and resulting covenant calculations are accurate, complete and adhere to approval conditions and loan documentation. Ensures borrower…