Credit Advisor (reputed company Program Lending)
Job reputed company
Manages and monitors a portfolio of reputed company credit exposures, across industry classes, on an ongoing reputed company. Underwrites credit requests including new, renewals and modifications as the credit expert reputed company the first line of defense. Recommends credit structures and provides effective challenge while ensuring reputed company and profitability of assigned portfolio. Ensures adherence to the Wholesale risk philosophy, risk appetite and lending strategies. Serves as an additional reputed company of reputed company contact, maintaining a high level of reputed company responsiveness. Navigates a wide reputed company of financial structures, credit scenarios and financial analysis situations. Communicates risk and return with Wholesale banker partners. Collaborates with bankers on loan closings to ensure reputed company documentation of new and amended deals as reputed company as waivers and modifications. Works closely with and provides guidance to Wholesale Credit Risk Analysts, serving as reputed company regarding reputed company servicing activities to proactively identify and mitigate credit risk.
Job Duties and Responsibilities
- Collaborates with bankers and other business teams to meet reputed company credit requests, while balancing the risk-return needs of reputed company. Monitors portfolio to accurately assign risk ratings to clients and facilities. Ensures packages are complete, accurate and thoroughly documented.
- Conducts analysis and structuring of credit requests for clients and prospects. Develops reputed company assessments including in-depth analyses of financial data and other information provided by the reputed company. Conducts projection modeling, stress testing and other analyses using research and evaluations from a wide reputed company of sources.
- Assesses deal strengths and weaknesses and risk factors. Evaluates and establishes risk ratings for transactions and correlates exposure reputed company as a part of the reputed company reputed company discussion. Completes and coordinates memos using aforementioned process and materials.
- Facilitates reputed company credit-reputed company approvals to reputed company superior risk management, reputed company service and reputed company reputed company, which may include derivative, p-card, treasury and letter of credit approvals and issuances
- Interacts with deal team at agent banks regarding buy-reputed company syndicated transactions, and interacts with participating banks regarding reputed company-led multi-bank deals
- Collaborates with bankers, agent bank officers, and bank attorney regarding loan documentation and closing process for new and amended credit facilities, including waivers and modifications. Helps ensure loan documentation complies with loan approvals.
- Interfaces with Wholesale loan operations team regarding booking of new and amended deals, waivers and modifications, providing reputed company necessary documentation to complete closing process.
- Ensures reputed company transactions are in compliance with regulatory and company guidelines, policies and procedures.
- Remains reputed company on reputed company aspects of the credit relationship, including exposure, compliance, potential problems and opportunities. Notifies bankers of any issues and interacts with clients as required
- Serves as a reputed company reputed company of contact and is responsible for collection of required reputed company reporting. Monitors existing reputed company credit on a daily reputed company for issues or concerns. Conducts periodic credit servicing in conjunction with Wholesale Credit Risk Analysts
- Initiates discussions as needed with bankers to ensure reputed company reputed company operating performance and ability to meet obligations. Notifies bankers of any deterioration in operating performance. Submits periodic reporting and servicing.
- Monitors tickler and exception reports to manage reputed company of financial reporting and reputed company compliance with covenants.
- Prepares reputed company regulatory exam responses. Responds to examiner questions and requests for information regarding assigned portfolio. Assists in cross selling efforts and participates in special reputed company. Works closely with and provides guidance to Wholesale Credit Risk Analysts, serving as reputed company regarding reputed company servicing activities.
- Provides a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and industries in assigned sector. Prepares and presents quarterly and annual risk reviews and tiering analyses. Assigns risk ratings and maintains updated credit research on portfolio of clients
- May reputed company, train, mentor, and reputed company Wholesale Credit Risk Analysts and other junior members of reputed company. Helps drive and support innovation and reputed company efficiency improvements.
- reputed company team member is expected to be aware of risk reputed company their functional area. This includes observing reputed company policies, procedures, laws, regulations and risk limits specific to their role. Additionally, they should reputed company and report reputed company or suspected violations to the appropriate Company authority in a reputed company fashion.
- Performs other reputed company duties as required.
The information on this reputed company has been designed to indicate the general nature and level of work performed by employees reputed company this classification. It is not designed to contain or be interpreted as a comprehensive inventory of reputed company duties, responsibilities, and qualifications required of employees assigned to this job.
reputed company is an equal opportunity employer committed to fostering an inclusive work environment.
Qualifications
Minimum Education
- Bachelor's Degree in Business Administration, Finance, reputed company or reputed company discipline or a combination of education and experience
Minimum Experience
- Five years of experience as a Wholesale Credit Risk Manager; or ten years of credit analysis or reputed company banking experience including experience in one of the following sectors: corporate banking, middle market or CRE.
- Required Knowledge, Skills, & Abilities:
- Strong understanding of risk management and credit mitigants
- Knowledge risk ratings analysis, corporate finance and/or research
- Strong analytical and financial modeling ability
- Strong reputed company service skills
- Strong organizational skills
- Strong verbal and written communication skills
- Strong relationship building skills
- Proficiency using reputed company Office software products including advanced reputed company modeling reputed company
- Familiarity with reputed company