Credit Officer II

2 weeks ago

Charlotte North Carolina, United States City National Bank Full time
Job Summary:

The Credit Officer II plays a critical role in the loan management process, providing credit and loan underwriting expertise to the capital call and subscription lending group within the Fund Finance Team.

Key Responsibilities:
  • Loan Analysis: Analyzes prospective loan transactions and credit worthiness of borrowers, ensuring all due diligence and background evaluation is complete and thorough.
  • Credit Validation: Validates credit analysis prepared by Credit Analysts and provides opinions and recommendations regarding proposed credit and potential risks.
  • Loan Documentation: Ensures all loan requests, LPAs, LP lists, PPMs, and historical financial information are reviewed and evaluated to determine credit structure and terms.
  • Credit Risk Assessment: Determines sources and uses of funds, analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors to ensure accurate and calculated credit decisions.
  • Client Communication: Attends client meetings to facilitate delivery of credit product and/or assist in problem resolution, and contacts borrowers directly for additional information and details related to loan request or clarification of financial materials and resources.
  • Credit Strategy: Provides balanced and appropriate credit guidance to Relationship Manager and Manager, and collaborates in determining appropriate credit strategy.
  • Loan Restructuring: Restructures loans and/or lines of credit as required, and assumes accountability for minimizing Bank losses.
  • Problem Loan Reporting: Performs quarterly Problem Loan reporting for Criticized/Classified credits, including financial reviews of client's financial condition, monitoring covenants and conditions.
  • Action Plan Development: Takes a proactive approach toward development and implementation of Action Plans, and escalates potential credit issues to Relationship Manager, Team Manager, and/or Credit Manager.
  • Knowledge Management: Maintains up-to-date knowledge on all Bank lending policies and regulations, and confers with the Credit Manager and appropriate Bank personnel regarding new/existing lending requirements and regulations.
  • Collateral Review: Reviews collateral periodically to minimize credit exposure.
  • Team Development: Participates in the training and development of the Credit Analyst on the team, including financial statement analysis, business writing, cash flow modeling, and enterprise valuation.
Requirements:
  • Education: Bachelor's Degree or equivalent.
  • Experience: Minimum 5 years of experience in underwriting medium-sized cash flow loans, and minimum 5 years of experience in a banking or financial services environment required.
  • Skills: Ability to communicate skillfully and effectively in both verbal/written forms, good organizational skills, and ability to work well independently and in teams and interact effectively with all levels of Bank personnel and outside contacts.
  • Credentials: Complete understanding of leveraged lending credit policies and procedures, wide application of credit principles and concepts, and strong credit analysis and accounting skills.
Compensation:

Starting base salary: $82.86 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

About City National Bank:

City National Bank is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. We start with a basic premise: Business is personal. Since day one, we've always gone further than the competition to help our clients, colleagues, and community flourish.

Inclusion and Equal Opportunity Employment:

City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status, or any other basis protected by law.

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