Credit Officer II - Energy

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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. Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests.

Job expectations include credit-focused client management responsibilities, independent thought leadership, strong leadership skills, the ability to provide feedback to less experienced teammates and may also manage a team. Responsibilities will also include supporting commercial and large corporate client relationships within the Energy industry.

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
• Negotiates credit and trading documentation, including loan credit agreements and amendments, ISDAs, and CSAs
• Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit lifecycle.
• Develop, maintain, and manage internal relationships with various business partners, including those in Corporate and Investment Banking, Sales & Trading, Risk Management, Syndications, and Legal

Required Qualifications:

• 10+ years of progressively responsible experience in the job offered, or a related Finance occupation
• Strong preference for individuals with relevant experience within the Energy industry
• Credit Officer evaluates large and sophisticated credit exposures across oil & gas, midstream, refining and marketing, oilfield services, and power & utilities sectors
• Assist in the management of criticized and classified assets by providing analysis and formal credit recommendations.
• Partners with Relationship Managers, and Risk partners to facilitate timely credit decisions
• Ensure compliance with lending policies, credit procedures, and regulatory expectations
• Strong understanding of energy market dynamics and Energy industry-specific risk factors, financial statement analysis, cash flow analysis, and commercial credit, credit structures,  cash management and traded products
• Excellent analytical, decision-making, and problem-solving skills.
• Strong written, verbal, and presentation skills.
• Proficiency in Microsoft Office applications, particularly Word, Excel and PowerPoint.

Desired Qualifications:

• Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experience
• Strong ability to assess credit risk, evaluate complex lending structures, and recommend appropriate terms, covenants, and collateral requirements.
• Expertise in analyzing financial statements, cash flow projections, leverage, liquidity, repayment capacity, and overall borrower creditworthiness.
• Knowledge of energy transition trends , and evolving regulatory requirements.

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
• Underwriting

Shift:

1st shift (United States of America)

Hours Per Week: 

40