Senior Credit Products Specialist – Private Banking

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

📋 Description

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

• Actively monitor portfolio risk while identifying industry trends and economic factors that impact credit quality.

• Provide guidance to sales and senior leadership regarding credit negotiations and deal execution.

• Collaborate with clients, legal counsel, and internal teams to structure and negotiate credit agreements.

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

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

• Make independent judgments and decisions regarding the assigned portfolio.

• Analyze and resolve issues related to the assigned portfolio.

• Undertake special projects and additional responsibilities as required.

• Comply with regulatory and compliance policies, standards, laws, and required training.

• Shape the credit strategy, underwriting practices, risk management, and portfolio health while supporting the bank's growth objectives.

⛳️ Requirements

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

• Master's Degree (or Postgraduate equivalent), with an MBA or CFA 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 specific line of business.

• Extensive expertise in structuring and negotiating complex credit agreements.

• Strong leadership capabilities with the ability to influence credit strategy and policy.

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

• Demonstrated ability to manage large portfolios and provide advice to senior executives.

• Outstanding communication and stakeholder management skills.

• Proficient in legal documentation, including credit agreements.

• Capability to develop junior associates, engage with legal counsel, and negotiate directly with clients.

• Thorough knowledge of complex commercial lending structures, industry trends, and economic factors affecting credit risk.

• Ability to evaluate portfolio risk at a macro level.

• Expertise in negotiating complex loan terms.

• Familiarity with credit policies, compliance standards, and legal considerations in lending.

• Skill in articulating complex credit decisions clearly and persuasively.

• No unusual physical exertion is involved.

🏝️ 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.