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Sr. Credit Risk Officer

Charlotte, North Carolina

Job Description:

Job Description Summary

The Credit Senior Officer requires a comprehensive skill set to effectively execute broad risk management responsibilities within Corporate & Financial Institutions Credit Risk. Primary responsibilities include: Formal or informal management responsibility for Analysts and Associates on the team. Develop and maintain a deep understanding of the Global Banking & Markets product spectrum; Responsible for driving asset quality and speed to market. Manage (primary account responsibility) a complex portfolio of Large Corporate / Financial Institutions clients within the bank's risk appetite and risk strategies; Develop and maintain a deep understanding of the portfolio at the client and industry level to assess risk solutions that balance risk and return; Manage a complex portfolio of clients via actively monitoring the portfolio including changes in credit profile and compliance with credit agreements; Independently assess the credit worthiness, including due diligence of borrowers and/or trading counterparties; Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients Ò credit life cycle; Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately; Provide high quality and efficient credit approval to Corporate Banking, Investment Banking, Global Markets and Treasury while observing compliance of established credit policies and guidelines; Participate in strategic projects to support business goals Credit Senior Officers are expected to build extensive industry and subsector knowledge, strong communication and presentation skills and be able to appropriately assess credit risk of each client. 8-10 years banking/credit analysis experience with ability to manage complex portfolio of accounts in all respects. Must have ability to manage the most complex transactions, to manage a team and/or drive the team's success, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients. Experience to exercise Credit Authority within delegated authority. Able to manage/balance business development needs with sound portfolio management and justify rationale for recommended transactions.

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:

Job Description Summary

The Credit Senior Officer requires a comprehensive skill set to effectively execute broad risk management responsibilities within Corporate & Financial Institutions Credit Risk. Primary responsibilities include: Formal or informal management responsibility for Analysts and Associates on the team. Develop and maintain a deep understanding of the Global Banking & Markets product spectrum; Responsible for driving asset quality and speed to market. Manage (primary account responsibility) a complex portfolio of Large Corporate / Financial Institutions clients within the bank's risk appetite and risk strategies; Develop and maintain a deep understanding of the portfolio at the client and industry level to assess risk solutions that balance risk and return; Manage a complex portfolio of clients via actively monitoring the portfolio including changes in credit profile and compliance with credit agreements; Independently assess the credit worthiness, including due diligence of borrowers and/or trading counterparties; Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients Ò credit life cycle; Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately; Provide high quality and efficient credit approval to Corporate Banking, Investment Banking, Global Markets and Treasury while observing compliance of established credit policies and guidelines; Participate in strategic projects to support business goals Credit Senior Officers are expected to build extensive industry and subsector knowledge, strong communication and presentation skills and be able to appropriately assess credit risk of each client. 8-10 years banking/credit analysis experience with ability to manage complex portfolio of accounts in all respects. Must have ability to manage the most complex transactions, to manage a team and/or drive the team's success, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients. Experience to exercise Credit Authority within delegated authority. Able to manage/balance business development needs with sound portfolio management and justify rationale for recommended transactions.

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-21037826

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