Job Description:
Responsible for providing a sound, independent and objective assessment and recommendation on large, complex structures & transactions related to Commercial and Industrial (C&I) & Corporate Enterprises. This position will also assist in the credit risk management and maintenance of credit quality for the respective assigned portfolio by monitoring relationship trends, clearing of exceptions, and providing recommendations which are appropriate to the relationship risk profile.
Responsibilities:
- Responsible for coordinating and streamlining loan process in order to facilitate the approval process. Reports to Credit Manager all loan process issues found in this area.
- Responsible for administrating and monitoring the 30+ day delinquencies, risk rating process (CARs), as well as assisting in the identifying red flags or problems within the portfolio. Reports to Credit Manager all portfolio issues found in these areas.
- Conduct analysis/underwriting functions, as needed.
- Responsible for monitoring exception, covenant and delinquent reports on a weekly basis. Reports to Credit Manager all portfolio issues and irregularities found in these reports.
- On-going review of future maturities for timely disposition.
- Conduct annual review of existing credit relationships; recommend changes in risk rating as deemed appropriate.
- Provide support on new business activities by screening preliminary data and follow up in obtaining required documentation.
- Identify, track and monitor loan policy exceptions, review credits with loan covenants and verify compliance.
- Coordinate delinquent loan monitoring of assigned portfolio recommend appropriate action. Report status to Credit Manager.
- Conduct project site visits/inspections.
- Attend seminars and training sessions to keep abreast of changing regulations, as well as industry/market trends and conditions.
- Provide assistance in other areas within the department, as required, covering during vacation or absenteeism.
- Ensure preventive measures are carried out to fully comply with current rules, regulations and internal policies relating to risks pertaining to BSA, USA Patriot Act, OFAC and other AML related issues.
Minimum Education and/or Certifications Requirements:
Bachelor’s in Accounting or Finance required OR 9 years of portfolio management experience in lieu of education. Formal credit training required.
Minimum Work Experience Requirements:
Eight years of professional experience in lending field, credit analysis/underwriting of loans. Knowledge of Bank documentation and other Bank products.
Technical and/or Other Essential Knowledge:
Thorough understanding of the Bank’s credit procedures, programs and policy. Accounting and credit principles. Proficiency in Microsoft Suite is required. Salesforce, nCino, FIS IBS experience is a plus. Sound time management and organizational skills required. Well organized and systematic. Must possess strong communication skills.
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