Banking, Loan Processor

2 weeks ago


Raleigh, United States City National Bank Full time
strong>CREDIT OFFICER II, Fund Finance Team: Hybrid Work Schedule, Charlotte, NC., Participates in the loan management process by providing credit and loan underwriting expertise to the capital call and subscription lending group within the Fund Finance Team. Analyzes prospective loan transactions and credit worthiness of borrowers. Validates the credit analysis prepared by the Credit Analysts and provides opinions and recommendations regarding proposed credit and potential risks. Ensures all due diligence and background evaluation is complete and thorough before Credit Risk Recommendation ("CRR") is submitted.Reviews loan requests, LPAs, LP lists, PPMs and historical financial information as relevant; evaluates and determines credit structure and terms; fully underwrites CRR consistent with Bank format, policies and procedures; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors. the risk rating is correct and supported; and the data and analytics used to support the decision are accurate and calculated correctly.Attends client meetings at Relationship Manager, Team Manager, or Credit Manager's request to facilitate delivery of credit product and/or assist in problem resolution. Contacts borrowers directly, for additional information and details related to loan request or clarification of financial materials and resources.Provides balanced and appropriate credit guidance to Relationship Manager and Manager and collaborates in determining appropriate credit strategy.Provides credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards. Authors credit approval memorandum.Provides input to the Relationship Manager and Credit Manager when loan pricing does not appear to reflect inherent risk in subject transaction. Restructures loans and/or lines of credit as required. Assumes accountability for minimizing Bank losses.Performs quarterly Problem Loan reporting for Criticized / Classified credits including: financial reviews of client's financial condition including monitoring covenants and conditions. Takes a proactive approach toward development and implementation of Action Plans. Escalates potential credit issues to Relationship Manager, Team Manager, and/or Credit Manager.
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