Credit Products Specialist II – Franchise Finance
Job Description:
- Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.
- Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
- Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
- Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
- Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.
Requirements:
- Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
- Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management
- 4+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
- Advanced financial modeling and risk assessment expertise.
- Strong negotiation skills and ability to collaborate with clients.
- Experience structuring complex loan transactions.
- Ability to analyze macroeconomic trends and their impact on credit risk.
Benefits:
- Health insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Comprehensive leave program