Credit Officer

Job Summary This job is responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations and risk teams to support the client relationship. The Credit Officer II covers a portfolio of asset-based lending clients, delivering credit solutions and managing risk. The ABF group provides asset-based loans to clients in the Global Commercial and Global Corporate and Investment Banks, partnering with relationship management and product partners. Typical focus is syndicated and sole lender facilities ranging in size from $20 million to up to $5 billion. The role will be client-facing, with primary responsibilities including analyzing client trends to identify opportunities and manage risk and growing funded loans and credit revenue. Additional responsibilities would include pitching credit opportunities, reviewing and negotiating legal documentation, and overseeing the work of junior associates, including analysis of financial performance and preparation of approval documents. The target candidate would be expected to handle more complex client relationships, as well as take a leadership role in managing bank groups and relationships with legal counsel, financial advisors, and financial sponsors. Some travel would be required to meet with clients. Responsibilities Partners with relationship management and product partners to assess clients' credit needs and create solutions Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements Serves as an escalation point for complex credit transactions Mentors and supports associates Manages a portfolio of asset-based structured loans in the general industries space Handles both performing credits as well as distressed/turnaround credits including managing accounts through restructurings and bankruptcy processes Required Qualifications 5+ years' experience in asset-based lending, commercial banking, or private credit Sound understanding of credit, transaction structuring, and financial and collateral analysis Detailed understanding of legal documentation Ability to draft concise, accurate and clear credit approvals with minimal oversight. Desired Qualifications Bachelor's or Master's degree preferred or equivalent experience Formal Credit Training Experience with bankruptcy and restructuring matters Skills Business Acumen Coaching Decision Making Hiring and Onboarding Loan Structuring Collaboration Credit Documentation Requirements Oral Communications Risk Management Written Communications Change Management Client Solutions Advisory Executive Presence Organizational Effectiveness Shift 1st shift (United States of America) Hours Per Week 40 #J-18808-Ljbffr