Credit Officer jobs in United States, Florida, Fort Lauderdale
Bank Of America Credit Solutions Advisor - Port Everglades Financial Center United States, Florida, Fort Lauderdale
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This job is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care.
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
Responsibilities:
• Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan
• Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank
• Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client's unique priorities
• Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging
• Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
• Responds to client requests and makes referrals to appropriate internal partners based on client needs
• Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience
Required Qualifications:
- Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of:
- Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year
- Knowledge of credit and home lending requirements
- Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
- Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
- Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
- Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution.
- Strong written and verbal communications skills.
- Ability to handle ambiguity and adapt to changing circumstances.
- Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic.
- Can be flexible to work weekends and/or extended hours as needed.
- A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
- Ability to learn and understand technology.
- Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies.
Desired Qualifications:
- Experience working in a financial center where goals were met or exceeded.
- Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
- Knowledge of banking products and services.
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
- Experience in a loan origination role in a retail environment and knowledge of
- Mortgage Products (Conventional, Jumbo and HELOC, Government)
- Structuring, Processing, underwriting and closing procedures
- Federal regulations governing real estate lending
- FHA and HUD guidelines
- Other Lending Products (Credit Card, Vehicle Loans)
- Strong computer skills including MS applications and previous experience utilizing laptop technology.
Skills:
- Client Management
- Client Solutions Advisory
- Customer and Client Focus
- Referral Identification
- Risk Management
- Client Experience Branding
- Credit Documentation Requirements
- Credit and Risk Assessment
- Pipeline Management
- Referral Management
- Attention to Detail
- Collaboration
- Issue Management
- Prospecting
- Relationship Building
High School Diploma / GED / Secondary School or equivalent
1st shift (United States of America)These jobs might be a good fit
Citi Group SVP Credit Portfolio Senior Officer - Private Bank Hybrid United States, Florida, Fort Lauderdale
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Job Description
- Manage transaction annual review and quarterly review process in partnership with the first line of defense (relationship and product partners).
- Provide review and challenge for annual and interim reviews of credit applications through careful analysis and assessment of information provided and taking a holistic view of the risks. Focus on understanding the client’s financial strength, investment objectives, risk tolerance, investment/collateral portfolio characteristics, etc
- Approve and make recommendations for approval to risk SCOs for the approval of transactions, annual reviews, quarterly reviews and CCRs. The candidate will also be assisting risk SCO L2 and other senior risk SCOs when they are the primary approvers.
- Manage and maintain a portfolio of credit exposures to Citi's North American Wealth clients
- Assist with portfolio management activities, including limits, stress testing, portfolio reviews, and regulatory requests
- Participate as directed in working groups, forums, special projects, etc whether as an active member or when asked to lead initiatives
- Assist with periodic BICR, internal audit and regulatory reviews
Job Qualifications
- Previous work experience in risk management with a large banking institution supporting Wealth portfolios
- Strong understanding of credit risk analysis
- Strong understanding of collateral analysis
- Ability to work within the bank’s Credit Risk Management framework, policies and procedures
- Proven strong analytical and credit analysis skills with good attention to detail and ability to provide big picture decision making
- Familiarity with traded products, e.g. fx and derivatives
- Ability to conduct business due diligence and assess a counterparty’s financial strengths
- Independent problem solving skills, ability to prioritize and meet deadlines created due to business needs
- Strong written and verbal communication skills with the ability to present analysis and recommendations in a succinct manner to senior risk managers
- Ability to synthesize, prioritize and deliver results with urgency
- Bachelor’s degree in Business Administration, Finance, or Economics preferred
- 6 – 8 years credit risk or relevant experience, preferably gained at either Citigroup or at a major financial institution
- An MBA, CPA, CFA or formal Credit Training is a plus
- Formal credit officer approval authority experience is a plus. Candidates should be seeking or are expected to seek an SCO title.
Education:
- Bachelor’s/University degree, Master’s degree preferred
Anticipated Posting Close Date:
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Citi Group SVP Credit Portflio Senior Officer Hybrid United States, Florida, Fort Lauderdale
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Job Description
- Manage transaction annual review and quarterly review process in partnership with the first line of defense (relationship and product partners).
- Provide review and challenge for annual and interim reviews of credit applications through careful analysis and assessment of information provided and taking a holistic view of the risks. Focus on understanding the client’s financial strength, investment objectives, risk tolerance, investment/collateral portfolio characteristics, etc
- Approve and make recommendations for approval to risk SCOs for the approval of transactions, annual reviews, quarterly reviews and CCRs. The candidate will also be assisting risk SCO L2 and other senior risk SCOs when they are the primary approvers.
- Manage and maintain a portfolio of credit exposures to Citi's North American Wealth clients
- Assist with portfolio management activities, including limits, stress testing, portfolio reviews, and regulatory requests
- Participate as directed in working groups, forums, special projects, etc whether as an active member or when asked to lead initiatives
- Assist with periodic BICR, internal audit and regulatory reviews
Job Qualifications
- Previous work experience in risk management with a large banking institution supporting Wealth portfolios
- Strong understanding of credit risk analysis
- Strong understanding of collateral analysis
- Ability to work within the bank’s Credit Risk Management framework, policies and procedures
- Proven strong analytical and credit analysis skills with good attention to detail and ability to provide big picture decision making
- Familiarity with traded products, e.g. fx and derivatives
- Ability to conduct business due diligence and assess a counterparty’s financial strengths
- Independent problem solving skills, ability to prioritize and meet deadlines created due to business needs
- Strong written and verbal communication skills with the ability to present analysis and recommendations in a succinct manner to senior risk managers
- Ability to synthesize, prioritize and deliver results with urgency
- Bachelor’s degree in Business Administration, Finance, or Economics preferred
- 6 – 8 years credit risk or relevant experience, preferably gained at either Citigroup or at a major financial institution
- An MBA, CPA, CFA or formal Credit Training is a plus
- Formal credit officer approval authority experience is a plus. Candidates should be seeking or are expected to seek an SCO title.
Education:
- Bachelor’s/University degree, Master’s degree preferred
Anticipated Posting Close Date:
View the " " poster. View the .
View the .
View the
These jobs might be a good fit
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This job is responsible for originating loans for clients with residential mortgage needs and is the primary lending specialist working full time within the financial center. Key responsibilities include delivering First Mortgage and HELOC lending products in person or by telephone and providing products such as Auto Loans, Credit Cards and Core Banking products. Job expectations include effectively balancing sales performance, operational risk, and client relationship care.
This position is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential loan mortgage originations must register with the federal registry system and remain in good standing. Since this position requires SAFE Act registration, employees are required to register and to submit to the required SAFE Act background check and registration process. Failure to obtain and/or maintain SAFE Act registration may result in disciplinary action up to and including termination.
Responsibilities:
• Provides specialized and personalized service offering advice and guidance to financial center clients through the full spectrum of borrowing and banking offerings at each stage of client's life plan
• Builds and deepens relationships with new and existing clients by leveraging the full capabilities of the bank
• Analyzes the client's financial needs and applies knowledge of borrowing and banking to recommend financial services that best align with the client's unique priorities
• Presents potential home lending product solutions, submits the mortgage application, assists clients with gathering supporting loan documentation, and keeps clients informed throughout the mortgage loan process through outbound calls, email, and online messaging
• Connects with clients through outreach and pipeline management activities and conducts consistent follow-up routines to meet client needs
• Responds to client requests and makes referrals to appropriate internal partners based on client needs
• Partners with financial center leaders, performance managers, and market leaders to provide specialized guidance and coaching to financial center associates regarding delivery of an exceptional client experience
Required Qualifications:
- Minimum of 2 years of mortgage origination experience. In lieu of this requirement, has previously held the role of:
- Home Service Specialist II, Lending Client Associate, Lending Client Support Manager, Lending Specialist, Senior Banker, Business Solutions Advisor or Financial Solutions Advisor at Bank of America for 1 year
- Knowledge of credit and home lending requirements
- Actively listens to the client to determine their needs and goals and has a desire to interact with clients proactively.
- Communicates professionally, effectively, and confidently and is comfortable engaging all clients in person and over the phone.
- Is a critical thinker and can analyze financial and credit data to advise clients of product/pricing policies and guidelines and gather any additional required information.
- Has effective customer service skills with ability to manage the full client end-to-end experience and problem resolution.
- Strong written and verbal communications skills.
- Ability to handle ambiguity and adapt to changing circumstances.
- Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic.
- Can be flexible to work weekends and/or extended hours as needed.
- A true team player and collaborator, translating knowledge and experience into strong and productive relationships internally and externally.
- Ability to learn and understand technology.
- Demonstrates a commitment to professional ethics and is thorough and thoughtful in incorporating relevant regulatory due diligence as well as complying with all Federal and State compliance policies.
Desired Qualifications:
- Experience working in a financial center where goals were met or exceeded.
- Knowledge in analyzing and comprehending complex financial data and providing financial alternatives.
- Knowledge of banking products and services.
- Solid time management skills and the ability to organize, prioritize and perform multiple tasks simultaneously.
- Experience in a loan origination role in a retail environment and knowledge of
- Mortgage Products (Conventional, Jumbo and HELOC, Government)
- Structuring, Processing, underwriting and closing procedures
- Federal regulations governing real estate lending
- FHA and HUD guidelines
- Other Lending Products (Credit Card, Vehicle Loans)
- Strong computer skills including MS applications and previous experience utilizing laptop technology.
Skills:
- Client Management
- Client Solutions Advisory
- Customer and Client Focus
- Referral Identification
- Risk Management
- Client Experience Branding
- Credit Documentation Requirements
- Credit and Risk Assessment
- Pipeline Management
- Referral Management
- Attention to Detail
- Collaboration
- Issue Management
- Prospecting
- Relationship Building
High School Diploma / GED / Secondary School or equivalent
1st shift (United States of America)These jobs might be a good fit
