Primary Purpose of JobDrives and maintains a high quality, profitable loan and deposit banking relationships through sound risk management of the Corporate Banking portfolio. Responsible for the review, structuring, and approval of Commercial & Industrial and Commercial Real Estate loans and advises Management of loan structuring options to mitigate credit risk for the Bank.
Major Job Accountabilities- Drives the active risk management of assigned Corporate Banking portfolio. Works to identify credit weaknesses and raise credit concerns in a timely manner, identify and structure appropriate risk mitigants, and reinforce timely and accurate risk rating assignments.
- Advises the Relationship Manager (RM), Department Manager, and Credit team on risks and mitigants associated with recommended deals. Generates sufficient structures and covenants that mitigate credit risk for the Bank.
- Independently reviews or develops the overall objective of the statistical analysis of each property/loan in order to depict sufficient financial information in reports. Advises Management by rendering an independent opinion on overall credit worthiness.
- Ability to independently advise clients of loan structuring options that best facilitate a successful transaction for the client and the Bank.
- Makes comprehensive recommendations on complex loan transaction and relationships.
- Proactive in the research of appropriate due diligence requirements relative to each borrower's operating history and proforma in determining the appropriate underwriting cash flow.
- Independently performs sensitivity analysis/stress testing and other alternative risk scenarios to ensure an adequate margin of repayment protection.
- Manages the negotiation and coordination of loan documentation, closing, and interfacing with Loan Operations for new loan originations, loan modifications, and loan amendments.
- Independently monitors construction loans and funds monthly draws per Bank policy.
- Experienced with deposit account establishment and cash management products and can assist the RM, Cash Management, and Commercial Account Servicing teams with the maintenance/onboarding of large and/or complex deposit customers
- Proactive delivery of accurate monitoring information to various internal stakeholders to assure the risk rating and regulatory asset quality rating for each loan reflects current conditions.
- Proficient communication with the RM, Department Manager, Credit Administration, and other internal stakeholders to promote transparency and a productive end-to-end loan process.
- If needed, ability to back up/perform duties of an RM intermittently and independently, which include interfacing with clients and/or prospects in order to maintain a high level of service.
- Provides guidance and coaching in building, managing and retaining corporate customer relationships.
Experience RequiredMinimum two (2) to seven (7) years of the following experience
- Depending on years of experience, demonstrated knowledge in all aspects of commercial & corporate lending. Industry-leading ability to handle the largest and most complicated credit requests.
- Established experience in credit management.
- Independently handle all aspects of asset management on a portfolio size of loans and deposits ranging from $50 million - $100 million each ($200m+ combined)
- Experience leading others is preferred.
Required Skills or Training- Demonstrated expertise in commercial and development principles, concepts, dynamics, market conditions, and trends
- Proven ability to negotiate and be influential with highly skilled borrowers and their associates, which include high-net worth professionals.
- Advanced in cash flow modeling, risk & return measurements.
- Advanced ability to review various legal documents including, but not limited to, promissory notes, mortgages, financing statements, security agreements, personal guarantees, subordination agreements, and workout agreements.
- In-depth knowledge in:
- Modern business practices and the legal structures of corporations, partnerships, and sole proprietorships.
- Accounting principles and practices sufficient to analyze and evaluate financial conditions of corporate enterprises.
- Business products in order to cross-sell bank products.
- Independent ability to analyze and evaluate financial/credit data and prepare reports.
- Demonstrated in applying financial regulations, policies, and procedures to analytical work.
- Excellent verbal, written, and interpersonal communication skills.
Professional Certifications, Licenses, And/or Registration Requirements- Valid US driver's license and access to transportation
