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Credit Risk Officer

Charlotte, North Carolina

Job Description:

The Credit Officer effectively executes broad credit risk management responsibilities within Wholesale Credit. Primary responsibilities include:

  • Primary account responsibility for a complex portfolio of Large Corporate Clients in General Industries.

  • Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.

  • Develop and maintain a deep understanding of the industry and an assigned portfolio of clients to assess risk solutions that balance risk and return.

  • Develop and maintain a deep understanding of the Global Banking & Markets product spectrum.

  • Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Global Markets and Treasury Management.

  • Independently develop high quality credit analysis with a focus on business rationale, key risks, sources of repayment, projections and returns & profitability

  • Independently assess, diligence and make justifiable credit recommendations.

  • Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients’ credit life cycle.

  • Participate in strategic projects to support business goals.

  • Informal management responsibility for Analysts and Associates on the team.

  • Responsible for driving portfolio asset quality and speed to market

Required Skills:

  • 7 - 10 years’ experience in commercial and / or corporate lending environment, with understanding of loans, trading & treasury products

  • Able to soundly manage the portfolio and justify rationale for recommended transactions.

  • Must have ability to manage the most complex transactions, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients.

  • Must be able to independently lead diligence efforts, make approval recommendations, negotiate loan documentation and execute timely closings

  • Requires effective communication style and ability to manage multiple priorities - must be a team player

  • Requires ability to manage junior members of the team

Job Band:

H4

Shift: 

1st shift (United States of America)

Hours Per Week:

40

Weekly Schedule:

Referral Bonus Amount:

0

Job Description:

The Credit Officer effectively executes broad credit risk management responsibilities within Wholesale Credit. Primary responsibilities include:

  • Primary account responsibility for a complex portfolio of Large Corporate Clients in General Industries.

  • Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately.

  • Develop and maintain a deep understanding of the industry and an assigned portfolio of clients to assess risk solutions that balance risk and return.

  • Develop and maintain a deep understanding of the Global Banking & Markets product spectrum.

  • Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Global Markets and Treasury Management.

  • Independently develop high quality credit analysis with a focus on business rationale, key risks, sources of repayment, projections and returns & profitability

  • Independently assess, diligence and make justifiable credit recommendations.

  • Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients’ credit life cycle.

  • Participate in strategic projects to support business goals.

  • Informal management responsibility for Analysts and Associates on the team.

  • Responsible for driving portfolio asset quality and speed to market

Required Skills:

  • 7 - 10 years’ experience in commercial and / or corporate lending environment, with understanding of loans, trading & treasury products

  • Able to soundly manage the portfolio and justify rationale for recommended transactions.

  • Must have ability to manage the most complex transactions, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients.

  • Must be able to independently lead diligence efforts, make approval recommendations, negotiate loan documentation and execute timely closings

  • Requires effective communication style and ability to manage multiple priorities - must be a team player

  • Requires ability to manage junior members of the team

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-21027694

Band: H4

Manages People: No

Travel: No

Manager:

Talent Acquisition Contact:

Jigna Karelia-Shah

Referral Bonus:

0

Street Address

Primary Location:
620 S Tryon St, NC, Charlotte, 28255