AVP Credit Officer Sponsor Finance

Job Description

Job Description

Position Overview:

Reviews, underwrites, and processes new Sponsor Finance transactions in Specialty Finance, as well as managing the existing portfolio. The position holder has at least 5 years of experience in sponsor finance or leveraged lending.

Commitment to Internal Control:

The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.

Essential Duties and Responsibilities:

(List in order of time spent)

• Participate in internal and external meetings with sponsors, financial institutions, advisors, and other stakeholders to support business development activities and transaction origination efforts.
• Evaluate new business opportunities in partnership with the Origination team, with a primary focus on Sponsor Finance transactions, including leveraged buyouts (LBOs) and other private equity-backed financings.
• Prepare and present initial screening memoranda, including company overviews, financial analysis, transaction rationale, key risks, and critical due diligence considerations.
• Develop and present credit recommendations to senior management and approval authorities, including the SVP – Chief Credit Officer, Specialty Finance; EVP – Chief Credit Officer; and the International Credit Division of MHC/Tokyo, as required. Present transactions to the local Credit Committee and address questions regarding risk, structure, and underwriting assumptions.
• Lead all aspects of the documentation, closing, and funding process for approved transactions, including negotiating key terms, coordinating with internal stakeholders and external counsel, and ensuring final legal documentation aligns with approved credit terms and conditions.
• Monitor borrower performance following closing, including compliance with financial covenants, reporting requirements, and other obligations. Proactively identify, assess, and escalate emerging risks, adverse developments, or performance concerns to senior management.
• Prepare periodic credit reviews, risk rating assessments, portfolio monitoring reports, and other credit-management materials to support ongoing evaluation of transaction performance and portfolio quality.
• Analyze industry, market, regulatory, and macroeconomic trends across targeted sectors to support underwriting, portfolio management, and business development initiatives.
• Maintain accurate and comprehensive Salesforce records, pipeline data, transaction files, and supporting documentation to ensure strong data integrity, regulatory compliance, and effective portfolio management.

• Develop and train junior credit analysts, e.g., as part of a deal team on new transaction underwriting.

• Credit assessment, structure, and transaction communication needs to be within company prepared guidelines.
• Act independently; decision-making within MHCA policy.
• Delegated credit authority within MHCA’s local credit delegation (if applicable for the business segment).

Qualifications:

• Strong understanding of corporate finance principles including leveraged lending industry practices.
• Strong credit underwriting, financial analysis, and advanced financial modeling capabilities.
• Extensive knowledge of sponsor finance transaction structuring, underwriting, syndication, documentation, and execution practices.
• Advanced proficiency in Microsoft Office applications, particularly Excel, PowerPoint, and Word.
• Excellent verbal and written communication skills, with the ability to effectively present complex analyses and recommendations to senior management, credit committees, and executive stakeholders.
• Strong interpersonal, organizational, and relationship management skills, with the ability to collaborate effectively across business lines and with external counterparties.
• Demonstrated ability to work successfully in a team-oriented environment while exercising sound judgment and independent decision-making.
• Strategic and analytical thinker with the ability to develop innovative, practical solutions to complex financing and credit challenges.
• Strong time management and organizational skills, with the ability to manage multiple transactions and competing priorities while meeting deadlines and maintaining high-quality standards.
• Thorough understanding of MHCA’s credit policies, risk management framework, and operational procedures, with a commitment to maintaining strong credit discipline and regulatory compliance.
• Ability to evaluate industry, market, and macroeconomic trends and their potential impact on transaction performance, credit quality, and portfolio risk.

• Thinking skills
• Analytical ability
• Ability to synthesize
• Problem-solving
• Communications
  • Ability to transmit information
  • Ability to listen
• Interpersonal Relationships
  • Ability to work in a Team
• Technical and Professional
  • Detail-oriented
  • Ability to work independently
• Personal Qualities
  • Action-oriented
  • Resilient
  • Adaptability
  • Self-starter
• Entrepreneurship
  • Business Acumen
  • Client-oriented

• BS in Accounting, Finance or Economics or equivalent experience
• CFA candidate Level II/III or charter holder preferred
• Formal credit training, including financial modeling training (cash flow financing)
• Minimum 5 years of experience in sponsor finance or leveraged lending.

• Not applicable

Tools and Equipment Used:

• Personal computer, copier, phone, and other typical office equipment

Working Hours:

• Hours may vary and will require some evening work; frequently requires working 40-45 hours/week depending on business needs

• Occasional travel related to transactions and attendance at industry seminars.

Physical Demands:

• Digital dexterity and hand/eye coordination in operation of office equipment
• Light lifting and carrying of supplies, files, etc.
• Ability to speak to and hear customers and/or other employees via phone or in person
• Body motor skills sufficient to enable incumbent to move from one office location to another

The job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change.

The position is exempt and the salary will be between $127,500 - $150,000 with an opportunity to earn a discretionary annual bonus.

The salary range is determined and based on internal equity, market data/ranges, applicant's skills, prior relevant experience and education.

Additional benefits:

- Medical, Dental, and vision plans

- 401(k) and matching

- Paid Time Off

- Company Paid Life Insurance

- Employee Assistance Program

- Training and Development Opportunities

- Employee Discounts