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AVP, Credit Officer
2 days ago
This role is 5x onsite in our Norwalk, CT location. OverviewPosition Overview: Reviews, underwrites, and processes new transactions in Specialty Finance. The position holder has at least 5 years of experience in corporate credit analysis. Commitment To Internal Control: The incumbent accepts the responsibility for establishing and maintaining the internal control system associated with the essential duties and responsibilities of the functional areas that the incumbent manages.
Essential Duties
And ResponsibilitiesHave a clear understanding of MHCA’s credit policies and operational procedures. Perform in-depth corporate credit analysis to support the origination efforts in one or more segments within Specialty Finance, such as large-ticket equipment leasing and trade finance (receivables and payables financing). Actively maintain and expand expertise in that segment, including the sub-segments of the market relevant to MHCA. In addition, position holder is expected, over time, to develop a knowledge base in and support the origination efforts in one or more additional segments within Specialty Finance, such as asset-based lending, project finance, private credit, or franchise finance. Prepare and present, together with the Senior Credit Officer/VP, the initial prescreen memo to senior sales and credit staff, including financial analysis, and address credit concerns in collaboration with sales/origination staff. Prepare the comprehensive underwriting memorandum, including the industry analysis, structural analysis and financial analysis including past financial performance and financial projections with sensitivity analysis, as well as documentation of compliance with underwriting guidelines and preparation of the obligor rating. Decide on transactions in line with position holder’s delegated credit authority (if business segment has delegated local authority). If transactions exceed delegated credit authority, make recommendation to the VP Senior Credit Officer, SVP - Chief Credit Officer – Specialty Finance, EVP – Chief Credit Officer, and other senior management regarding transactions for approval under local delegation, or for their recommendation for approval by International Credit Division of MHC/Tokyo. Presentation to local Credit Committee as required. Coordinate with third party resources as part of the due diligence and documentation processes including field auditors, appraisers, and external legal counsel. Coordinate with sales and credit to onboard new clients (including establishing initial funding and operating procedures) and determine appropriate reporting requirements. Manage the transaction documentation and closing process, including finalization of deal terms and coordination with internal/external legal counsel, sales and operations teams; ensure that actual terms and conditions reflect credit approval. Liaise with the Portfolio Management Team in monitoring client financial conditions and identifying any adverse trends to senior credit management. Assist portfolio managers in reviewing credit amendment requests or processing Annual Reviews for existing clients. Manage Salesforce records and information files for pipeline transactions. KPIs (Key Performance Indicators)Deals evaluated;Deals completed (Fundings, Assets, and Fee Income);Credit analysis quality;Portfolio performance. Management/Supervisory ResponsibilitiesNot applicableResponsibility and Decision-Making AuthorityCredit assessment, structure, and transaction communication needs to be within company prepared guidelines. Act independently; decision-making within MHCA policy. Delegated credit authority within MHCA’s local credit delegation (if applicable for the business segment) based on years of experience in the segment. QualificationsKnowledge, Skills, and AbilitiesExtensive knowledge of credit evaluation, financial, collateral, and cash flow analysis (including, cash flow projections/modeling). Extensive knowledge of structuring, underwriting, and documentation practices. Advanced technical skills (Excel, PowerPoint, Word, etc.)Excellent verbal and written communication skills. Experienced in working with and presenting to senior level executives. Understanding of multiple industry dynamics and how economic conditions impact credit quality and structure. Strong interpersonal, organizational and communication skills. Team player with a positive attitude. Critical thinker that can look “out of the box” for solutions. Time Management: ability to organize and manage multiple priorities and complete on a timely and accurate basis. CompetenciesThinking SkillsAnalytical abilityAbility to synthesizeProblem-solvingCommunicationsAbility to transmit informationAbility to listenInterpersonal RelationshipsAbility to work in a TeamTechnical and ProfessionalDetail-orientedAbility to work independentlyPersonal QualitiesAction-orientedResilientAdaptabilitySelf-starterEntrepreneurshipBusiness AcumenClient-orientedEducation and ExperienceBachelor\'s degree from a four-year college or universityCFA candidate Level II/III or charter holder preferredFormal credit training, including financial modeling training (corporate finance or project finance)5+ years of experience in corporate credit analysis (e.g., corporate banking, acquisition finance, cash flow lending ). Licensing and CertificationNot applicableTools And Equipment UsedPersonal computer, copier, phone, and other typical office equipmentWorking HoursHours may vary and will require some evening work; frequently requires working 40-45 hours/week depending on business needsTravelOccasional travel related to transactions and attendance at industry seminars. Physical DemandsDigital dexterity and hand/eye coordination in operation of office equipmentLight lifting and carrying of supplies, files, etc. Ability to speak to and hear customers and/or other employees via phone or in personBody motor skills sufficient to enable incumbent to move from one office location to anotherThe job description does not constitute an employment contract, implied or otherwise, other than an “at will” relationship and is subject to change by the employer as the needs of the employer and requirements of the job change. The position is exempt and the salary will be between $123,100.00 and $150,200.00 with an opportunity to earn a discretionary annual bonus. The salary range is determined and based on internal equity, market data/ranges, applicant\'s skills, prior relevant experience and education. Additional BenefitsMedical, Dental, and vision plans401(k) and matchingPaid Time OffCompany Paid Life InsuranceEmployee Assistance ProgramTraining and Development OpportunitiesEmployee Discounts #J-18808-Ljbffr
