Credit Products Specialist II

This is a fully remote position, open to applicants in Texas.

📋 Description

• Oversee the underwriting process for intricate loan applications, evaluating creditworthiness and suggesting risk-reducing strategies.

• Regularly assess the assigned portfolio to proactively detect credit risks, emerging trends, and concerns regarding financial performance.

• Collaborate with Relationship Managers during negotiations and discussions with clients to ensure alignment between client requirements and risk tolerance.

• Work alongside legal teams to review and negotiate credit agreements, ensuring adherence to bank policies and risk management protocols.

• Mentor junior credit professionals, enhancing team skills and promoting a robust credit culture.

• Undertake special projects and additional tasks and responsibilities as needed.

⛳️ Requirements

• Bachelor's Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related discipline, or over 10 years of relevant experience.

• A minimum of 4 years in commercial credit analysis, underwriting, or portfolio management.

• Proficient in advanced financial modeling and risk evaluation.

• Excellent negotiation abilities and a collaborative approach with clients.

• Experience in structuring complex loan transactions.

• Capability to analyze macroeconomic trends and their effects on credit risk.

🏝️ Benefits

• Medical

• Dental

• Vision

• Life

• Disability insurance

• Comprehensive leave program