Responsibilities include but are not limited to:
Responsible for monitoring on a timely basis the ongoing financial health of an assigned loan portfolio while maintaining the ongoing communication and dialogue with clients in conjunction with the business team for all credit related reporting and business updates.
Underwrites and structures new prospective transactions as well as renewals, extensions, increases, and material modifications and amendments for existing clients.
Leads external client meetings as well as internal deal team discussions and approval discussions with senior management.
Identifies outlines and mitigates risks associated with potential lending opportunities, advises on all matters related to the Banks Credit Policy and related procedures, and provides guidance on loan structures and risk appetite.
Reviews credit packages completed by junior team members and provides general guidance and mentorship.
Performs the required due diligence and analysis, produces the credit presentation in accordance with guidelines and policy, while ensuring timely completion of the underwriting process.
Approves transactions under individual lending authority when applicable.
Maintains oversight via internal reporting and dashboards of all ongoing portfolio monitoring requirements and client deliverables, as well as compliance with all terms of the loan agreement, including:
i. Financial reporting ii. Covenant compliance iii. Collateral monitoring iv. Required third-party reports v. Annual reviews vi. Maturing loans and lines of credit
In coordination with the business team, maintains direct contact with clients as needed for account monitoring and administration and site visits.
Validates and analyzes reports such as financial statements, borrowing base certificates, collateral field examinations, appraisals, engineering reports, etc., to verify compliance.
Escalates issues to appropriate levels and develops action plans as necessary.
Ensures credits are accurately risk-rated and are properly monitored and reported.
Prepares all required quarterly reports and analysis, including Criticized Loan Monitoring Reports, as well as other portfolio management reports as required.
Participates in special projects and requests related to the management of the portfolio.