The Credit Officer role requires a comprehensive skill set to effectively execute broad credit management responsibilities within GCIB US/CAN Wholesale Credit. Primary account responsibility for a complex portfolio of Large Corporate Global clients.
Primary responsibilities include:
Structure complex transactions and negotiate complex credit documentation to mitigate risk appropriately. Independently develop high quality credit analysis with a focus on business rationale, key risks, sources of repayment, projections and returns & profitability. Develop and maintain a deep understanding of the industry and an assigned portfolio of clients to assess risk solutions that balance risk and return. Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Global Markets, Treasury Management and various other internal teams involved in credit functions across the globe. Independently assess, conduct due diligence and make justifiable credit recommendations. Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients’ credit life cycle. Participate in strategic projects to support business goals. Ensure effective and consistent compliance to established credit and control procedures. Responsible for driving loan growth, portfolio asset quality and speed to market. Formal management responsibility for Analysts, Associates and VP for the Oil & Gas team in New York City. Mentor, coach and provide periodic feedback and evaluations to the team.
- Bachelor’s Degree
- 8-10 years banking/credit experience
- Corporate Banking experience
- Must have ability to manage complex transactions, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients.
- Able to soundly manage the portfolio and justify rationale for recommended transactions and capability to exercise credit authority within delegated authority.
- Solid communication and presentation skills; team player with a positive attitude