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Credit Sr Officer - Charlotte Healthcare Team, Global Corporate & Investment Banking

Charlotte, North Carolina

Job Description:

The Credit Officer effectively executes broad credit risk management responsibilities within Enterprise Credit.

Primary responsibilities include:

  • Primary account responsibility for a complex portfolio of Large Corporate Clients in the Healthcare sector

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

  • Solid communication and presentation skills; team player with a positive attitude.

  • 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 a deep understanding of internal Credit Policies & Procedures

  • Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Risk, 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.

  • Responsible for ongoing portfolio management monitoring routines including periodic financial assessment, covenant compliance and amendment activity over life of a loan.

  • Participate in strategic projects to support business goals.

  • Mentor and develop Associates and Analysts on the team.

  • Responsible for driving portfolio asset quality and speed to market

Required Skills:

  • 7+ 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 independently 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, independently negotiate loan documentation and execute timely closings (in both an Agent level and Participant level capacity).

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

**The hiring manager reserves the right to hire at the Sr Credit Officer or Credit Officer level depending on experience

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 Enterprise Credit.

Primary responsibilities include:

  • Primary account responsibility for a complex portfolio of Large Corporate Clients in the Healthcare sector

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

  • Solid communication and presentation skills; team player with a positive attitude.

  • 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 a deep understanding of internal Credit Policies & Procedures

  • Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Risk, 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.

  • Responsible for ongoing portfolio management monitoring routines including periodic financial assessment, covenant compliance and amendment activity over life of a loan.

  • Participate in strategic projects to support business goals.

  • Mentor and develop Associates and Analysts on the team.

  • Responsible for driving portfolio asset quality and speed to market

Required Skills:

  • 7+ 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 independently 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, independently negotiate loan documentation and execute timely closings (in both an Agent level and Participant level capacity).

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

**The hiring manager reserves the right to hire at the Sr Credit Officer or Credit Officer level depending on experience

Shift:

1st shift (United States of America)

Hours Per Week: 

40

Learn more about this role

Full time

JR-22093592

Band: H4

Manages People: No

Travel: No

Manager:

Talent Acquisition Contact:

Sade' Barnes

Referral Bonus:

0

Street Address

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