Middle Market Bank Credit Manager - Technology (Palo Alto, CA)

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JOB DESCRIPTION

Job #: 15314
Status: Inactive / Filled
Title: Middle Market Bank Credit Manager - Technology (Palo Alto, CA)
Job Location: California - Palo Alto
Base Compensation: $100,000 — $140,000
Total Compensation: $110,000 — $150,000
Is Employer Willing to Relocate?: No
Employment Type: Full Time / Direct Hire
Job Categories: Commercial Lending - General
Industries: Banking

WHY IS THIS A GREAT OPPORTUNITY?

Middle Market Bank Credit Officer 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. Credit facilities range from structured borrowing base deals to traditional working capital lines, equipment term loans. Must have technology background.

JOB DESCRIPTION

• 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 officers.

QUALIFICATIONS

• 5+ years experience working in a financial institution in a credit role. • Formal credit training required. • Broad based experience in structuring bilateral credit agreements. • Strong analytical skills and negotiating experience.
Preferred Qualifications: Master’s degree in finance or accounting preferred.
  
Education: Bachelor's
  
Total Years of Experience: 5-6+
  
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