Credit Products Specialist II - Equipment Finance

Responsibilities Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk‑mitigating structures within the assigned specialized vertical or region. Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns. Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite. Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks. Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture. Identify and raise to leadership improvement areas in credit processes and procedures. Use independent judgement and discretion to make decisions regarding assigned portfolio. Analyze and resolve problems pertaining to the assigned portfolio. Qualifications Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience. 4+ Years in commercial credit analysis, underwriting, or portfolio management. 4+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.). Advanced financial modeling and risk assessment expertise. Strong negotiation skills and ability to collaborate with clients. Experience structuring complex loan transactions. Ability to analyze macroeconomic trends and their impact on credit risk. #J-18808-Ljbffr Jobtailor