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Ensures loans are properly serviced, clients' financial status is reviewed and collateral is appropriately analyzed and verified. Responsible for more complex deals. Responsible for business development activities such as soliciting and negotiating additional transactions. Evaluates all aspects of existing transactions of an assigned portfolio of clients to determine viability of the credit and makes the appropriate recommendations to senior management and credit committee. Credit monitoring includes independent analysis of financial data, collateral trends, industry knowledge, economic conditions in order to form an independent conclusion as to as entity's financial condition and ascertain the key credit issues/mitigates and what risk exist in current loan structure. Handles a mix of primarily direct and agent deals with multiple bank participants which are larger highly complex deals. Develops a working relationship with borrowers or agent banks and business partners. Works closely with third party turnaround consultants and other professional appraisal/liquidator firms. Responsible for setting client relationship strategy.
Prepares monthly and quarterly portfolio management reports; develops critical financial analysis, process client credit requests, amendments, waivers and renewals in a timely manner.
Reviews client field exams, appraisals, collateral trends and reporting with the ability to identify and proactively recommend appropriate reserves, ineligible changes and credit solutions. Works closely with consultants on distressed credits. Ensure overall collateral reporting is timely and accurate. Ensures field exams are performed timely.
Develops a working relationship with borrowers or agent banks and business partners as this facilitates with maintaining the timely communication of critical credit analysis and recommendations. Visits clients and oversees banker calling efforts to cross sell Bank products to enhance relationship and revenue.
Presents to Senior Management and Credit Committee annual credit reviews ensuring proper risk analysis and rating recommendations
Bachelor's Degree plus 6 or more years' experience in ABL field portfolio related role