Credit Products Specialist II – Equipment Finance

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

📋 Description

• Oversee underwriting initiatives for intricate loan requests and propose risk-reducing structures.

• Regularly assess the designated loan portfolio to pinpoint credit risks, trends, and financial performance issues.

• Collaborate with sales teams during negotiations and client discussions.

• Work alongside legal departments to examine and negotiate credit agreements.

• Offer mentorship and training to junior credit professionals.

• Identify and highlight areas for improvement within credit processes and procedures.

• Exercise independent judgment and discretion in decisions regarding the assigned portfolio.

• Analyze and resolve issues related to the designated portfolio.

• Undertake special projects and additional responsibilities as needed.

• Comply with regulatory and compliance policies and complete mandatory compliance training.

• Ensure adherence to all applicable federal, state, and local laws and regulations.

⛳️ Requirements

• Bachelor’s degree in Finance, Accounting, Economics, or a related discipline, or 10+ years of relevant experience.

• A 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.

• Expertise in advanced financial modeling and risk assessment.

• Proficient negotiation skills and the ability to work collaboratively with clients.

• Experience in structuring complex loan transactions.

• Capability to analyze macroeconomic trends and their implications for credit risk.

• Strong proficiency in financial modeling, industry-specific credit risks, and structuring commercial credit transactions.

• Ability to identify credit risks and suggest mitigation strategies.

• Experience in managing complex portfolios and ensuring compliance with credit policies.

• Skill in effectively communicating credit decisions to both internal and external stakeholders.

• Capability to lead loan structuring and closing processes with minimal oversight.

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

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

🏝️ Benefits

• Medical insurance

• Dental insurance

• Vision insurance

• Life insurance

• Disability insurance

• Comprehensive leave program

• Variable incentives, bonuses, commissions, or other awards may be included in total compensation