Credit Officer jobs in United States, New York, New York

Job Description:
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 may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. 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

Responsibilities:

• Credit analysis: Participate in initial and ongoing due diligence of HFs. Perform quantitative and qualitative credit assessment, setting internal ratings and recommending credit limits
• Initial margin calculation: Determine initial margin (IM) and evaluate transactional risks associated with OTC and exchange traded derivatives, securities financing and structured trades
• Trade approval: Hold delegated approval authority to approve trading floor request (OTC derivatives) or to make recommendations to higher authority levels.
• Relationship management: Build strong working relationship with external HF clients, internal business partners including Sales, Structuring & Trading, Risk counterparts, Legal and Audit Function
• Risk monitoring: Undertake regular exposure analysis including internal stress testing and IM back testing. Monitoring of performance and AUM flow data received from HFs
• Trading documentation: Liaise with Legal and client in negotiating ISDA, CSA, GMRA etc.
• Portfolio reviews: Preparation of portfolio reports and reviews, including analysis of OTC and F&O exposures, any counterparties of concern and other pertinent risk issues.
• Candidate will be responsible for underwriting credit lines to support hedge fund client traded products.

Required Qualifications:

• 2+ years of prior hedge fund (Reg Fund or Financial Institution) risk management and/or hedge fund due diligence experience.
• Proficient with Microsoft Office.
• General knowledge of Hedge Funds, their strategies and financial derivatives.
• Candidate will have significant exposure to Global Markets personnel including Trading / Structuring / Sales, as well various support partners.
• Candidate must be comfortable working on transactions in a fast-paced capital markets/trading environment.
• Ability to thrive in a fast-paced environment, consistently meet deadlines, and demonstrate strong quantitative and analytical skills

Desired Qualifications:

• Bachelor's Degree
• Masters Degree
• CFA Charter Holder

Skills:

• Attention to Detail
• Client Management
• Decision Making
• Underwriting
• Credit Documentation Requirements
• Critical Thinking
• Portfolio Management
• Problem Solving
• Written Communications
• Financial Analysis
• Negotiation

High School Diploma / GED / Secondary School or equivalent

Job Description:

Job Description:
This job is responsible for performing risk assessment and repayment capacity analysis (i.e., financial, borrower, industry, etc.) and preparing transaction justification for complex transactions with limited supervision. Key responsibilities include documenting credit analysis, independently assessing historic and projected borrower financial information, evaluating adherence to policy and procedure, providing tax equity or loan structure analysis and recommendations, monitoring portfolio performance andassisting with transaction document negotiation, energy/infrastructure project diligence.

Responsibilities:

• Evaluates credit worthiness and provides analysis and decisioning on whether a client should receive a credit facility
• Partners with Credit Officers, Relationship Management, and Risk teammates to assess and deliver credit solutions
• Monitors the client's operating performance and financial condition, proactively identifying issues and opportunities
• Delivers financial modeling, loan structure, industry, economic, and other analyses to team members to support the loan decision-making process
• Ensures adherence to credit policies, guidelines, procedures, and applicable regulatory requirements

Required Qualifications:

• 2+ years' of commercial and/or corporate banking credit or equity underwriting related experience.
• Experience in Energy and/or private equity.

Desired Qualifications:

• Bachelor's Degree in finance, accounting or related field.
• Experience in thermal energy, oil and gas and/or renewables.
• Experience in renewable and/or infrastructure debt
• Formal Credit Training or experience with equity transactions

Skills:

• Attention to Detail
• Financial Analysis
• Underwriting
• Written Communications
• Analytical Thinking
• Credit Documentation Requirements
• Credit and Risk Assessment
• Financial Forecasting and Modeling
• Recording/Organizing Information
• Business Acumen
• Collaboration
• Collateral Management
• Loan Structuring
• Prioritization

High School Diploma / GED / Secondary School or equivalent

Job Description:
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 may be responsible for the provision of residential mortgage loans, and as such, is subject to SAFE Act registration requirements. Pursuant to the SAFE Act requirements, all employees engaged in residential mortgage loan 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. 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

This job is responsible for analyzing and interpreting a client's credit worthiness, evaluating credit risks, and writing credit approval memos for annual renewals and new lending opportunities. Key responsibilities include analyzing qualitative and quantitative data such as client's financials, projections, industry data, covenant compliance, and collateral appraisals to ensure compliance with the bank's risk appetite. Job expectations include completing regular monitoring and underwriting tasks and supporting key internal stakeholders to achieve successful execution of new transactions.

Responsibilities:

• Analyzes client's financial performance by comparing it to past performance, projections, and industry standards

• Reviews financial statements, assesses the client's compliance with financial covenants, and renews risk ratings, while recommending changes as warranted

• Assists in the underwriting, credit risk analysis, negotiation, and closing of new transactions or existing transactions, while adhering to all relevant policies and procedures

• Evaluates transaction and relationship risk-adjusted profitability to facilitate the allocation of capital

• Builds projection models for the client (as needed) based on historical performance, industry forecasts, and other due diligence findings

• Perform financial, business industry, and transaction analyses, conduct research, and prepare supporting documentation for transaction credit approval

• Performs intensive qualitative and quantitative due diligence ontransaction structures, stress scenarios, financial models, engineer reports, and terms and conditions

• Participate in the underwriting and documentation of project finance and other credit facilities designed to meet both client and investor needs as well as balance the bank's internal risk/return requirements

• Provide input into key projects/initiatives across the bank

• Review the credit profile of key transaction counterparties (e.g. borrowers, servicers, sponsors and off-takers)

• Engage with various partners including GCIB Enterprise Credit Officers for recourse obligors, Enterprise Credit Risk, and Global Markets Risk

Required Qualifications:

• 1+ years’ experience in corporate or commercial credit at a financial institution

• 1+ years’ experience in project finance/tax equity/structured credit with a focus in energy, power, or infrastructure

Desired Qualifications:

• BA degree in Finance or related major

• Formal credit training program at financial institution

• Strong technical skills including quantitative financial modeling

Skills:

• Analytical Thinking

• Financial Analysis

• Financial Forecasting and Modeling

• Profitability Analysis

• Research Analysis

• Attention to Detail

• Business Acumen

• Credit and Risk Assessment

• Underwriting

• Written Communications

• Verbal Communication

• Academic Aptitude

• Quantative Skills

• Strategic and Creative Thinking

• Collaboration

• Critical Thinking

• Portfolio Analysis

• Prioritization

• Technical Documentation

Job Responsibilities:

The Senior Treasury Sales Officer (TSO) is responsible for managing all aspects of the treasury management relationship for a complex portfolio of current and prospective global clients in the Insurance, PayTech and other Non-Bank Financial Institution segments. He or she will partner with Corporate Bankers, Product, Compliance, Credit, Risk and Service partners to present optimal global solutions to meet client objectives.

Responsibilities include:

• Focus on responsible growth of new client relationships and expansion of existing relationships by identifying and cross selling our global payment solutions within a defined risk framework
• Accountable for responsible revenue and balance growth, profitability optimization, client planning, client calling, portfolio development, pricing strategy, proposal development and delivery for a dedicated client portfolio
• Maintain a strong client focus, industry expertise, client subsector expertise and a broad understanding of bank structures
• Lead, coach, develop Treasury Sales Analyst in day to day support of client deliverables
• Be a digital ambassador driving mobile, digital and real time payments adoption
• Manage and lead strategic dialogues around key client centric issues, leveraging best practices, peer benchmarking and industry data analytics
• Maintain regular client interactions with on-site or virtual meetings, industry conferences, roundtables and client events

Job Qualifications:

• Successful history of direct and comprehensive treasury management sales experience
• Demonstrates the ability to identify, evaluate and articulate payment flows and potential associated risks for a complex/high risk client segments
• Demonstrates the ability to foster strong partnerships with the core team and the ability to build a sincere rapport with client contacts
• Effectively manages competing priorities in an organized fashion while maintaining a consistent level of client satisfaction
• Effectively manages risk while balancing the needs of the client, the team, and the bank
• Able to effectively work as an individual contributor as well as a close team member in a fast paced environment
• Broad and deep familiarity with global treasury management products, services and trends
• Strong Executive presence both internally/externally with ability to lead C- suite meetings
• Minimum 6 years of relevant experience in banking, treasury, and/or finance
• Ability to travel approximately 50% of the time
• B.S./B.A. degree or equivalent work experience
• Prior experience supporting Insurance, PayTech, Mortgage or other NBFI client segments and a Certified Treasury Professional certification or equivalent preferred

Skills:

• Account Management
• Business Development
• Client Management
• Client Solutions Advisory
• Customer and Client Focus
• Critical Thinking
• Portfolio Analysis
• Presentation Skills
• Relationship Building
• Sales Strategy
• Coaching
• Collaboration
• Oral Communications
• Prioritization
• Prospecting