””” Senior Credit Analyst : Banks ”””
The Credit Officers responsibility is to maintain objective and independent review and control over the Bank's credit portfolio. Within this role you will be responsible for executing the credit strategy for domestic and international Bank customers. Independently and with limited supervision, you will be required to manage a portfolio of customers with complex, enterprise wide credit and fee based needs and opportunities. You will provide written analysis, review and presentation of credit requests for approval, loan documentation, ongoing monitoring and communication of all portfolio companies' performance, including the utilization of market-based tools/resources.
With some oversight, you will be responsible for negotiating loan and other credit documents, be responsible for maintaining ongoing dialogue with senior finance staff at each portfolio customer and take responsibility for maintaining effective interface/communication with executives and management of the portfolio customers.
You will also be responsible for predicting future changes/trends in ratings (credit quality) of the portfolio customers and for timely 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. You will also need to identify industry risks and provide recommendations regarding industry credit exposure. In addition, in certain circumstances, you will assist in the facilitation of overnight borrowings and the issuance of letters of credit.
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