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Job description
Job Overview
Responsible for managing clients and related credit products, partnering closely with relationship management, sales/trading, treasury management, operations, and risk teams to support the client relationship.
Responsibilities
Partners with relationship management and product partners to assess clients’ credit needs and create solutions.
Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications.
Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy, and procedure.
Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory requirements.
Serves as an escalation point for complex credit transactions.
Mentors and supports associates.
Oversees credit assessment and approval by evaluating borrower creditworthiness through financial analysis, forecasting, industry and company risk assessment, and due diligence.
Exercises delegated approval authority to structure and approve transactions, including lending limits, deal terms, risk ratings, renewals, and breach actions.
Leads credit origination and portfolio management by partnering with cross-functional teams, serving as a senior advisor on credit matters, and ensuring accurate risk ratings and proactive management of asset quality throughout the client lifecycle.
Required Qualifications
7+ years of experience in asset based and/or commercial lending.
Experience in monitoring the credit health of asset based or commercial lending clients.
Strong knowledge and comprehension of loan and collateral documentation.
Ability to accurately analyze borrower’s financial picture and deliver a comprehensive risk analysis to manager and risk officers.
Confidence and ability to develop an independent viewpoint and present a business case to support conclusions.
Excellent relationship management skills, experience working in a team environment, ability to help influence constituencies with diverse views towards consensus.
Coaching and mentoring skills.
Proficiency in Microsoft Office Excel, Word, Outlook, PowerPoint.
Desired Qualifications
Bachelor’s degree in accounting and/or finance.
10+ years of experience in asset-based lending and/or commercial lending.
Skills
Business Acumen
Coaching
Decision Making
Loan Structuring
Collaboration
Credit Documentation Requirements
Oral Communications
Risk Management
Written Communications
Client Solutions Advisory
Underwriting
Analytical Thinking
Credit & Risk Assessment
Attention to Detail and Organizational Effectiveness
Financial Analysis, Forecasting, Modeling & Research Analysis
Shift
1st shift (United States of America)
Hours Per Week
40
Pay Transparency Details
US - CA - Los Angeles - 333 S HOPE ST - BANK OF AMERICA PLAZA (CA9193), US - CA - San Francisco - 555 California St - Bofa Center - 555 California (CA5705)
Pay and Benefits
Annualized salary range: $99,000.00 - $225,000.00. Discretionary incentive eligible.
Benefits
Industry-leading benefits, paid time off, resources and support to employees for a genuine impact and contributions to the sustainable growth of our business and communities.
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Worksite address
los angeles, CA, 90079, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.