Corporate Credit Officer II

GENERAL PURPOSE SUMMARY

Serves as analytical underwriter for all types of commercial transactions in various markets across the U.S. including shared national credits, loan participations and complex real estate and commercial/industrial (C&I) credits and oversees the analysis of the participation loan portfolio by performing the following essential duties and responsibilities:

ESSENTIAL DUTIES AND RESPONSIBILITIES

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Manages the overall credit support administration process, which involves collaboration with corporate lending staff, executive and/or senior management, workflow, and ensures adherence to bank policy and federal regulations. Oversees the maintenance of the specialty loan portfolio adhering to all applicable credit policies and compliance requirements.
• Works cross-functionally to provide technical consultation on credit matters. Develops and revises credit processes.
• Analyzes commercial, construction, consumer and participation loans and loan requests including analyzing borrower information/financial statements, collateral and tax returns to determine ability to pay. Independently identifies and clearly articulates risks and mitigating factors that could impact the client's ability to repay.
• Collaborates and consults with corporate lending staff, executive and/or senior management on underwriting complex loans and provide guidance on loan requests going to the Senior Loan Committee. Works with legal counsel to ensure loan documentation is presented fairly.
• Works in conjunction with corporate lending staff and partnership banks to discuss and explain credit structures to the credit committee, regulators and auditors. Prepares and presents credit requests for credit approval. Analyze complex credit investigations and credit information on lead participating banks.
• Analyzes individual and complex business/entity financial statements, public information sources, individual credit reports, and other relevant information to calculate cash flow and balance sheet ratios.
• Prepares ongoing management reporting for credit risk; assists with credit risk response for the audits. Monitors the benchmark regarding growth, mix, and delinquency; coordinates participation stress tests and annual reviews. Utilizes these ratios and evaluates other qualitative factors to determine a client's risk of default. Performs monthly, quarterly and annual financial analysis for complex loan covenants.
• Monitors accuracy of borrowing base certificates for lines of credit and loans secured by investments. Participates in monitoring, documenting, and reacting to the FNBA credit loan quality of assigned loans. Focuses on managing large and complex credit portfolio of participation loans. Assist in monitoring, documenting and responding to the credit quality of participation loans.
• Stays abreast of industry trends and identify any that require research, evaluation, and selection of alternatives while exercising independent judgment to guide and mitigate loan risks. Recommends strategies that contributes to the bank's overall performance and achievement of the bank's short and long term goals.
• Leads projects and assists executive and/or senior management with industry related initiatives that contributes to the achievement of bank's critical few strategies.
• Performs other work-related duties as assigned by supervisor.

COMPLIANCE EXPECTATIONS

• Ensure business unit's operations comply with bank policy, procedures, and banking regulations (for business unit heads).
• Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time.
• Stay up-to-date on relevant laws and regulations.
• Ensure you and your delegates comply with the bank's policies, procedures, laws and regulations.
• Maintain customer confidence and protect the bank's operations by you and your delegates identifying and protecting confidential information.

SUPERVISORY RESPONSIBILITIES

May supervise assigned employees. Carries out supervisory responsibilities in accordance with the organization''s policies, and applicable laws and regulations. Responsibilities include interviewing and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; and making recommendations regarding the hiring and terminating of employees.