Leasing Credit Officer II - Commercial Credit Underwriter

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Job Description:
This job is responsible for the delivery of integrated credit solutions to clients as well as on-going portfolio management. Key responsibilities include underwriting and negotiating new transactions, partnering with client-facing teammates to consult on sales opportunities, and providing the product expertise to deliver effective client solutions. Job expectations include providing on-going monitoring of client portfolios, ensuring accurate and timely analysis of financial statements, assignment of risk ratings, and required client reviews.

Evaluate and underwrite new end-user credit opportunities, including the identification and assessment of all strengths, weaknesses and risks (including operational) associated with the opportunity as well as identifying and describing mitigating factors. Responsible for the evaluation, review and written analysis of all factors that affect an entity's ability to repay and/or service their obligations in a timely manner. The complexity of the entities and related transactions requiring analysis can vary over a wide spectrum of industries.

The LCO II uses their skill set to assess the appropriateness of existing solutions and to propose optimal financing alternatives or additional financing solutions. They are involved in managing credit quality and the approval process through their interaction with Risk Management Officers, GVF Marketing Officers and Credit Products Managers.

Responsibilities:

• Evaluates new end-user credit opportunities including identification and assessment of risks and identifies mitigating factors

• Partners with client-facing teammates to consult on sales opportunities and provide the product expertise and consultation necessary to deliver the best possible solution to the client

• Underwrites new transactions, analyzes credit risk, negotiates and closes deals, while adhering to internal policy, procedures and regulatory requirements

• Structures the terms of a lease/loan with respect to the various aspects that make up a lease/loan (e.g. pricing, rates, payment, term, collateral)

• Manages the credit process for a portfolio of clients including reviewing financial statements, assessing the client's compliance with financial covenants, confirming the accuracy of risk ratings, and recommending changes as warranted

Required Qualifications:

• 3+ years commercial credit underwriting and credit analysis experience

• Must have effective presentation, structuring, financial statement and risk analysis skills

Desired Qualifications:

• 3+ years commercial credit underwriting and credit analysis experience

• Must have effective presentation, structuring, financial statement and risk analysis skills

• Bachelor's degree in Finance/Accounting or equivalent experience is preferred

Skills:

• Financial Analysis

• Loan Structuring

• Research Analysis

• Risk Management

• Underwriting

• Account Management

• Credit Documentation Requirements

• Credit and Risk Assessment

• Decision Making

• Issue Management

• Analytical Thinking

• Coaching

• Collaboration

• Critical Thinking

• Customer and Client Focus

Shift:
1st shift (United States of America)

Hours Per Week:
40

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