Credit Officer

2 days ago


MagstattleBas, Grand Est, United States CoBank Full time
Job Summary

We are seeking a highly skilled Credit Officer to join our team at CoBank. As a Credit Officer, you will be responsible for developing credit-structuring alternatives for large account transactions, assisting lending or leasing staff with managing the banking relationship with large accounts, and providing credit analysis and financial structuring alternatives.

Key Responsibilities
  • Develop and implement credit-structuring alternatives for large account transactions, including financial proposals and credit analyses.
  • Assist lending or leasing staff with managing the banking relationship with large accounts, including credit analysis and financial structuring alternatives.
  • Provide credit analysis and financial structuring alternatives to lending or leasing staff, including conceptualizing and formulating financial strategies to accomplish customer's credit needs.
  • Manage resources from various sources, including designing creative and innovative financing packages.
  • Assist with negotiations concerning the packaging of credit arrangements, including consulting with lending or leasing staff and providing coaching on negotiation strategy, financing approaches, or other specific credit issues.
  • Prepare and oversee the preparation of credit analyses and credit investigations, including providing direction and guidance to credit analysts on general research issues.
  • Monitor credit quality of accounts to identify emerging trends and ensure ongoing compliance with covenants.
  • Assist with internal research and analysis, provide statistical reports, and verify information.
  • Develop and utilize computerized spreadsheets, programs, and other automated tools for credit analysis, special projects, or presentations.
  • Approve or recommend credits for approval based on research and analysis completed by credit analysts.
  • Maintain expertise in assigned industries or market sectors, including keeping abreast of industry trends and competitive environment.
Requirements
  • Bachelor's Degree required.
  • 5 years of credit experience in banking industry required.
Work Environment

This is a sedentary role that involves sitting most of the time, but may involve walking or standing for brief periods of time. Occasional travel may be required.


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