Credit Sr Officer - Charlotte Healthcare Team, Global Corporate & Investment Banking

Job Description:

The Credit Officer effectively executes broad credit risk management responsibilities within Enterprise Credit.

Primary responsibilities include:

• Primary account responsibility for a complex portfolio of Large Corporate Clients in the Healthcare sector

• Structure complex transactions and negotiate credit documentation to mitigate risk appropriately.

• Solid communication and presentation skills; team player with a positive attitude.

• Develop and maintain a deep understanding of the industry and an assigned portfolio of clients to assess risk solutions that balance risk and return.

• Develop and maintain a deep understanding of the Global Banking & Markets product spectrum.

• Develop and maintain a deep understanding of internal Credit Policies & Procedures

• Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Risk, Global Markets and Treasury Management.

• Independently develop high quality credit analysis with a focus on business rationale, key risks, sources of repayment, projections and returns & profitability

• Independently assess, diligence and make justifiable credit recommendations.

• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients’ credit life cycle.

• Responsible for ongoing portfolio management monitoring routines including periodic financial assessment, covenant compliance and amendment activity over life of a loan.

• Participate in strategic projects to support business goals.

• Mentor and develop Associates and Analysts on the team.

• Responsible for driving portfolio asset quality and speed to market

Required Skills:

• 7 years’ experience in commercial and / or corporate lending environment, with understanding of loans, trading & treasury products

• Able to soundly manage the portfolio and justify rationale for recommended transactions.

• Must have ability to independently manage the most complex transactions, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients.

• Must be able to independently lead diligence efforts, make approval recommendations, independently negotiate loan documentation and execute timely closings (in both an Agent level and Participant level capacity).

• Requires effective communication style and ability to manage multiple priorities - must be a team player

**The hiring manager reserves the right to hire at the Sr Credit Officer or Credit Officer level depending on experience

Shift:

Hours Per Week: