Credit Products Specialist II – Equipment Finance

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

📋 Description

• Oversee underwriting activities for intricate loan requests and suggest risk-reducing structures within the designated specialized vertical or region.

• Continuously assess the assigned portfolio to detect credit risks, trends, and financial performance issues.

• Collaborate with the sales team during negotiations and client interactions, ensuring alignment between client requirements and risk tolerance.

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

• Offer mentorship and training to junior credit professionals.

• Identify potential areas for improvement in credit processes and procedures and communicate these to leadership.

• Utilize independent judgment and discretion to make decisions regarding the assigned portfolio.

• Analyze and address issues related to the assigned portfolio.

• Undertake special projects and additional responsibilities as needed.

• Comply with regulatory and compliance policies, standards, and relevant federal, state, and local laws.

• Complete all mandatory compliance training.

⛳️ Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related discipline, or over 10 years of equivalent professional experience.

• Minimum of 5 years in commercial credit analysis, underwriting, or portfolio management.

• At least 5 years of experience in the specific specialized line of business.

• Advanced skills in financial modeling and risk assessment.

• Exceptional negotiation abilities and capacity for collaboration with clients.

• Proven experience in structuring complex loan transactions.

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

• Strong understanding of industry-specific credit risks and the structuring of commercial credit transactions.

• Skill in identifying credit risks and proposing risk mitigation strategies.

• Experience in managing complex portfolios while adhering to credit policies.

• Proficient in communicating credit decisions effectively with both internal and external stakeholders.

• Ability to lead loan structuring and closing processes with minimal supervision.

• Familiarity with credit agreements, loan documentation, and regulatory compliance requirements.

• Competence in financial analysis tools, CRM systems, and underwriting software.

• No unusual physical exertion is required.

🏝️ Benefits

• Medical insurance

• Dental insurance

• Vision insurance

• Life insurance

• Disability insurance

• Comprehensive leave program

• Variable incentives, bonuses, commissions, or other awards may contribute to total compensation