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Credit Sr Officer

Company: Emonics, LLC
Location: Charlotte
Posted on: November 25, 2022

Job Description:

Job description
The Credit Sr Officer effectively executes broad credit risk management responsibilities within Enterprise Credit.
Primary responsibilities include:

  • Primary account responsibility for a complex portfolio of Large Corporate Clients in the Healthcare sector
  • Structure complex transactions and negotiate credit documentation to mitigate risk appropriately.
  • Solid communication and presentation skills; team player with a positive attitude.
  • 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 a deep understanding of the Global Banking & Markets product spectrum.
  • Develop and maintain a deep understanding of internal Credit Policies & Procedures
  • Develop and maintain strategic partnerships with Corporate Banking, Investment Banking, Risk, Global Markets and Treasury Management.
  • Independently develop high quality credit analysis with a focus on business rationale, key risks, sources of repayment, projections and returns & profitability
  • Independently assess, diligence and make justifiable credit recommendations.
  • Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the clients' credit life cycle.
  • Responsible for ongoing portfolio management monitoring routines including periodic financial assessment, covenant compliance and amendment activity over life of a loan.
  • Participate in strategic projects to support business goals.
  • Mentor and develop Associates and Analysts on the team.
  • Responsible for driving portfolio asset quality and speed to market

    Required Skills:

    • 10+ years' experience in commercial and / or corporate lending environment, with understanding of loans, trading & treasury products
    • Able to soundly manage the portfolio and justify rationale for recommended transactions.
    • Must have ability to independently manage the most complex transactions, possess strong credit skills and transaction experience, and demonstrate the ability to work with senior officers, business partners, and clients.
    • Must be able to independently lead diligence efforts, make approval recommendations, independently negotiate loan documentation and execute timely closings (in both an Agent level and Participant level capacity).
    • Requires effective communication style and ability to manage multiple priorities - must be a team player

Keywords: Emonics, LLC, Charlotte , Credit Sr Officer, Other , Charlotte, North Carolina

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