Middle Market Bank Credit Officer - Fresno, CA
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|Status:||Inactive / Filled|
|Title:||Middle Market Bank Credit Officer - Fresno, CA|
|Job Location:||Fresno, CA|
|Base Compensation:||$75,000 — $125,000|
|Total Compensation:||$85,000 — $135,000|
|Is Employer Willing to Relocate?:||No|
|Employment Type:||Full Time / Direct Hire|
|Job Categories:||Commercial Lending|
WHY IS THIS A GREAT OPPORTUNITY?
Great opportunity to join a large international bank that is increasing market share throughout California! NO RELO
JOB DESCRIPTIONMiddle Market Bank Credit Officer (market segment consists of companies with revenues of $30mm - $500mm) will be responsible for providing thorough, objective analysis of the financial condition and credit worthiness of borrowers. Credit size is from $2 million - $50 million. RESPONSIBILITIES • Provides support to Relationship Managers for complex credit processes, credit structuring and portfolio monitoring. • Manages underwriting requests for credit extensions and annual reviews, prepares credit memos and drafts term sheet. Prepares monthly and/or quarterly reviews of existing borrowers to track compliance with loan covenants, raising potential concerns to RMs. • Provides initial approval, leads analyses of the financial condition and credit worthiness of existing and potential clients. • Ability to manage complex transactions and be able to work in both customer meetings and company management meetings (including dialogue with CFO & CEO). • Prepares monthly and/or quarterly reviews of existing borrowers. • Operates as a subject matter expert on bank credit policies and practices. Maintains extensive knowledge in the various products and services offered (including interest rate derivatives, FX, trade finance, & cash management). • Oversees/mentors credit analysts.
• Bachelor’s degree in finance, economics or accounting • 5+ years experience working in a financial institution in a credit role. • Formal "big bank" credit training required. • Broad based experience in structuring bilateral credit agreements. • Strong analytical skills and negotiating experience.
Master’s degree in finance or accounting preferred
Total Years of Experience: