Senior Credit Products Specialist – Franchise Finance

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

📋 Description

• Oversee the structuring, analysis, and approval of intricate credit transactions.

• Balance credit risk with the business requirements within the designated specialized vertical or region.

• Actively monitor portfolio risk and pinpoint industry trends and economic factors that influence credit quality.

• Collaborate as a strategic partner with sales teams and senior leadership on credit negotiations and deal execution.

• Work alongside clients, legal advisors, and internal teams to structure and negotiate credit agreements.

• Guide junior credit professionals and deliver training on best practices in credit risk.

• Identify and present areas for improvement in credit processes and procedures to senior 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 necessary.

• Ensure compliance with relevant policies, standards, laws, and regulations.

• Complete mandatory compliance training.

• Function as a strategic advisor and thought leader to support portfolio health and the objectives of bank growth.

⛳️ Requirements

• Preferred undergraduate degree (4 years or equivalent); a Bachelor’s degree in Finance, Accounting, Economics, or a related field, or 12+ years of equivalent experience.

• A Master’s degree or postgraduate equivalent, MBA, or CFA is preferred.

• Over 10 years of experience in commercial credit analysis, structuring, underwriting, portfolio management, and risk analysis.

• More than 10 years of experience in the direct specialized line of business.

• Extensive expertise in structuring and negotiating complex credit agreements.

• Strong leadership abilities with a capacity to influence credit strategy and policy.

• Comprehensive understanding of macroeconomic factors and their effects on credit risk.

• Demonstrated ability to manage large portfolios and counsel senior executives.

• Outstanding communication and stakeholder management capabilities.

• Proficient in legal documentation, including credit agreements, relevant to the supported line of business.

• Ability to develop junior associates, collaborate with internal and external legal counsel, and negotiate directly with clients.

• Knowledge of complex commercial lending structures, industry trends, credit policies, compliance standards, and legal considerations in lending.

• 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 be included in total compensation.