Credit Relationship Mgr II Job
Credit Relationship Mgr II (Job Number: 1305294)
Description
Responsible for executing the credit strategy for domestic and international customers to which BNY Mellon extends credit. Independently and with limited supervision manages a large portfolio of customers with complex, enterprise wide credit and fee based needs and opportunities. The position requires strong and decisive credit judgment with responsibilities including concise, accurate and timely written analysis, review and presentation of credit requests for approval, loan documentation, and ongoing monitoring and communication of all portfolio companies performance, including the utilization of market-based tools/resources. Responsible for negotiating loan and other credit documents. Responsible for maintaining ongoing dialogue with senior finance staff at each portfolio customer. Responsible for maintaining effective interface/communication with executives and management of the portfolio customers. Responsible for predicting future changes/trends in ratings (credit quality) of the portfolio customers and for timely and recommendations of changes in target exposure. Responsible for the timely and accurate rating of each borrower in the portfolio and promptly escalate deteriorating credit situations. Responsible for identifying industry trends and providing recommendations regarding industry credit exposure. Depending on the portfolio assigned, the incumbent will be expected to be part of the team developing a pool of risk. In addition, in certain circumstances, assist in the facilitation of overnight borrowings and the issuance of letters of credit. Responsible to ensure AIMS, CRIS and KYC data accuracy for each portfolio customer. Must have a solid understanding of BNY Mellon products and be able to identify cross-sell opportunities and coordination with the responsible product areas (including participation in team meetings, account planning and customer communication/presentations, as appropriate).
Qualifications
Minimum 7 to 10 years experience in risk and commercial/relationship management in the financial or professional services industry. Proven track record in managing complex relationships. Strong credit judgment including the ability to analyze market data and ascertain credit quality impact. Strong oral and written communication skill; strong analytical thinking and problem solving skills and ability to work independently are required. Bachelor s degree required, major in Finance or Accounting preferred. MBA preferred or equivalent. PC literacy including Bloomberg expertise is needed. Travel is required. Must have a solid understanding of BNY Mellon products and be able to identify cross-sell opportunities and coordination with the responsible product areas (including participation in team meetings, account planning and customer communication/presentations, as appropriate). The position requires critical thinking centered on analyzing macro and micro based information in order to formulate opinions and recommendations. Position has direct responsibility for credit decisions which can affect potential loss and non-credit revenue. Position also has direct interaction with customers and is positioned to identify revenue opportunities. Interactions / Interpersonal Skills: Describe the nature and level of interactions this job has with others, both internally and externally. Explain any specific interpersonal skills necessary to successfully perform this role (i.e., negotiation skills, represents business at external events or to governmental bodies, etc. ). Maintain ongoing dialogue with senior finance staff at each portfolio customer. Maintain effective interface/communication with executives and management of the portfolio customers.
Primary Location: United States-USA-NY-New York
Internal Jobcode: 31224
Job: Customer/Client Service
Organization: Asset Servicing - Americas-HR09084
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