Recommend and approve appropriate credit structures relative to risk assessment and policy considerations
Utilize advanced credit skills to author concise, thoughtful analysis of relationships using appropriate structure and identifying key risks
Work proactively with internal and external contacts to ensure transactions move forward efficiently
Lead complex transactions including syndications, financial sponsor transactions and multi-level capital structures
Evaluate smaller relationships to evaluate risk profile and recommend simple structures that adequately protect the bank
Lead and/or participate in client due diligence and transaction negotiations
Attend client, bank, and other meetings to develop a thorough understanding of client companies, management teams, and industry sectors
Analyze and negotiate financing terms and conditions as part of a deal team
Review and negotiate legal documentation and coordinate with counsel to ensure terms are appropriate and consistent with credit approval
Provide early identification and proactive management of deteriorating credits and other problem situations
Analyze, prepare, and present for approval all required waivers, amendments, and extension
Required Qualifications, Skills and Capabilities
BA/BBA/MBA and completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience)
At least 6+ years of experience in commercial banking/lending which might include credit, structuring and marketing experience
Accounting and finance knowledge and commercial banking experience
Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills
Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, market threats, and industry and other factors
Manage all steps of the Credit Approval Process including preparing credit approval materials, ensuring all credit risk policies are followed, and present and recommend credits for approval at the appropriate level