This position is responsible for detailed research and credit analysis of complex credit requests in Commercial Credit Underwriting C&I Regional Department. This is a senior position. The incumbent is expected to have comprehensive knowledge of credit & risk analysis, credit rules, structuring of credits, regulations and documentation with the ability to exercise independent judgment within established Underwriting Guidelines and Credit Policy. At this level, the incumbent is expected to increasingly work with and assist the Commercial Loan Officers on customer calls and structuring deals. The incumbent will show leadership in training less experienced staff members and handle more complex and/or challenging assignments (e.g., larger deals or complicated requests with the highest level of relationship exposure under Executive Leadership and Credit Committee Approval Authority – Level 8 & 9). The incumbent will have a key role of consequence to the team outside of their credit related work. For instance, 3rd party vendor management responsibilities, reporting, and special projects.
MAJOR JOB RESPONSIBILITIES
SUPERVISORY RESPONSIBILITIES
Subject to business needs may have supervisory and mentorship responsibilities for junior Credit Analysts.
SKILLS AND TRAINING
EDUCATION
Bachelor’s degree in Finance, Accounting or Economics. MBA preferred. Formal credit training or higher banking education (i.e. Graduate School of Banking, Stonier, etc).
WORK EXPERIENCE
7 or more years in Commercial Banking.
LICENSES AND/OR CERTIFICATES
Certification in Credit Risk or Credit Management preferred.
WORKING CONDITIONS
Work is mainly performed in a normal office environment. Noise levels usually are moderate.
HAZARDS
The hazards are only those present in a normal office setting.
This job description may not be all-inclusive. Employees are expected to perform other duties as assigned and directed by management. Job descriptions and duties may be modified when deemed appropriate by management
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