Credit Officer II - Asset Based Finance

Responsibilities Partner with relationship management and product partners to assess clients’ credit needs and create solutions. Drive credit and risk approval processes for new credit originations, renewals, increases, and modifications. Lead ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy, and procedure. Drive the growth of funded loans and revenue while mitigating risks, maintaining asset quality, and adhering to regulatory requirements. Serve as an escalation point for complex credit transactions. Mentor and support associates. Oversee credit assessment and approval by evaluating borrower creditworthiness through financial analysis, forecasting, industry and company risk assessment, and due diligence to support high‑quality decisions across Corporate Banking, Investment Banking, Global Markets, and Treasury. Exercise delegated approval authority to structure and approve transactions, including lending limits, deal terms, risk ratings, renewals, and breach actions, applying sound judgment and maintaining alignment with the bank’s risk appetite. Lead credit origination and portfolio management by partnering with cross‑functional teams, serving as a senior advisor on credit matters, and ensuring accurate risk ratings and proactive management of asset quality throughout the client lifecycle. Required Qualifications 7+ years of experience in asset based and/or commercial lending. Experience monitoring the credit health of asset based or commercial lending clients. Strong knowledge and comprehension of loan and collateral documentation. Ability to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to managers and risk officers. Confidence and ability to develop an independent viewpoint and present a business case to support conclusions. Excellent relationship management skills, experience working in a team environment, and ability to help influence constituencies with diverse views toward consensus. Coaching and mentoring skills. Proficiency in Microsoft Office Excel, Word, Outlook, and PowerPoint. Desired Qualifications Bachelor’s degree in accounting and/or finance. 10+ years of experience in asset-based lending and/or commercial lending. Skills Business Acumen Coaching Decision Making Loan Structuring Collaboration Credit Documentation Requirements Oral Communications Risk Management Written Communications Client Solutions Advisory Underwriting Analytical Thinking Credit & Risk Assessment Attention to Detail and Organizational Effectiveness Financial Analysis, Forecasting, Modeling & Research Analysis Shift 1st shift (United States of America) Hours Per Week 40 Pay and Benefits Pay range: $99,000.00 – $225,000.00 annualized salary, offers to be determined based on experience, education, and skill set. Discretionary incentive eligible: employees are eligible for an annual discretionary award based on performance. Benefits: This role is currently benefits eligible. We provide industry‑leading benefits, access to paid time off, resources, and support to help employees make a genuine impact and contribute to sustainable growth. Locations: United States – Los Angeles, CA; San Francisco, CA. #J-18808-Ljbffr