Credit Authorizer Job Description Sample
Banking Credit Consulting - Commercial Credit Consultant MW
Accenture is a leading global professional services company, providing a broad range of services and solutions in strategy, consulting, digital, technology and operations. Combining unmatched experience and specialized skills across more than 40 industries and all business functions – underpinned by the world's largest delivery network – Accenture works at the intersection of business and technology to help clients improve their performance and create sustainable value for their stakeholders. With approximately 425,000 people serving clients in more than 120 countries, Accenture drives innovation to improve the way the world works and lives. Visit us at www.accenture.com
The candidate will be a consultant within the Banking Credit Consulting practice with a focus on commercial credit transformation within the commercial lending industry. Large commercial lenders are executing on significant transformational initiatives inclusive of design and implementation of digital experiences, LOS platform replacement and operating model redesign/ process re-engineering. The consultant role will be focused on supporting development of our commercial offerings and delivery of commercial transformation consulting projects.
Skills include: -
Commercial credit industry experience (from Lead generation/ marketing, Sales, Fulfillment, Servicing, Default)
Track record of consulting project delivery including managing teams of 3 resources, producing project deliverables, managing projects within timelines and budgets and interfacing with client executives
Required experience working on commercial lending initiatives and technologies with commercial LOS experience a plus
Must be willing to travel up to 80% (Monday
- Advise upon, lead and work on high impact activities within the systems development lifecycle, and provide advisory work for the IT function itself
It is our intention for our people to live where they work and work where they live. However, in the context of our profession and serving our clients there may be times when you will need to travel.
3 years of work experience between Management Consulting/ Technology Consulting and/ or equivalent in industry
Commercial credit industry experience (across Marketing, Sales, Origination, Fulfillment, Servicing, Portfolio Management)
Track record of consulting project delivery including managing teams of 3 resources, producing project deliverables, managing projects within timelines and budgets, and interfacing with client executives
Required experience working on commercial lending initiatives and technologies
Must be willing to travel up to 80% (Monday
- Experience working with commercial LOS experience a plus
Applicants for employment in the US must have work authorization that does not now or in the future require sponsorship of a visa for employment authorization in the United States and with Accenture (i.e., H1-B visa, F-1 Visa (OPT), TN visa or any other non-immigrant status
Candidates who are currently employed by a client of Accenture or an affiliated Accenture business may not be eligible for consideration
Accenture is an EEO and Affirmative Action Employer of Females/Minorities/Veterans/Individuals with Disabilities
Equal Employment Opportunity:
All employment decisions shall be made without regard to age, race, creed, color, religion, sex, national origin, ancestry, disability status, veteran status, sexual orientation, gender identity or expression, genetic information, marital status, citizenship status or any other basis as protected by federal, state, or local law
Accenture is committed to providing veteran employment opportunities to our service men and women
Regional Credit Officer/Senior Credit Officer- Alaska
Serves as a member of the relevant regional Community Bank Commercial Credit team, reporting directly to the Regional Credit Executive.
Partners with the Regional Credit Executive to provide leadership and guidance to large groups of employees in Credit Risk, Credit Underwriting and the line of business within the region.
Manages the commercial credit portfolio in specific markets and is accountable for maintaining portfolio quality in line with Key's moderate credit risk appetite, while supporting new business origination. Tasked with creating and maintaining a client-centric and constructive risk management culture that supports good business and appropriate growth strategies.
Supported by a team of Senior Credit Officers, the Regional Credit Officer and team are responsible for structuring new transactions (exposures $15mm+) and providing guidance to underwriting teams, as well as ultimately credit decisioning these new financing requests. Manages credit processes consistent with credit policy and established underwriting guidelines.
These teams are accountable for reviewing and approving annual reviews, interim reviews and existing line of credit renewals, as well as monitoring portfolio quality and ensuring that timely action is taken in the event of portfolio deterioration in order to remain within, or revert back into, the approved risk tolerance ranges for the business.
Responsible for the leadership, coaching and mentoring of Senior Credit Officers, campus and LOB staff, where appropriate.
ESSENTIAL JOB FUNCTIONS
Serve as a member of the regional Community Bank Commercial Credit team.
Works with the Regional Presidents and RMs to improve profitability and maintain asset quality within a moderate risk appetite.
Participates in, and actively contributes to, the overall strategy for the region.
Meet with the most significant clients or prospects in support of LOB business generation.
Create an organizational sense of urgency in support of new business opportunities, ensure smooth interaction between employees the line of business and campuses, and maintain sound credit risk management standards. Teams should be encouraged to focus on material risk issues.
Ensure that Credit employees work closely with campus underwriting staff to communicate all material aspects of the deal, the risks, mitigants and the final decision that is to be documented for the credit approval.
Respond with urgency and help create a culture that prioritizes client centricity. Determine transaction feasibility, identify structuring solutions that adequately mitigate risks, and then provide Proceed/Stop decisions within approval limits.
Exercise significant loan authority (usually $50mm) within established limits and ensure that all Senior Credit Officers do the same.
When transactions require the approval of the Senior Group Credit Executive or Chief Credit Officer, ensure that employees are prepared to provide a short synopsis of the transaction/relationship, what they like about the proposal, the material risks, and how they have been adequately mitigated.
Responsible for monitoring credit portfolio performance, including concentration limits for region.
Closely monitor all asset quality measures including performance against moderate credit risk tolerances. When tolerances are exceeded, establish appropriate action plans in order to bring portfolio quality back within tolerances.
Timely identification of deteriorating credits. Transfer of credits to Loan Administration/Asset Recovery Group.
Ensure accurate and timely risk rating of transactions within the regional credit portfolio.
Manage daily overdraft exposures.
Approve cash management credit risk within assigned authority on CAP form – also derivatives and hedging/ FX.
Champion and hold teams accountable for the proper utilization of credit systems and technology.
Build and lead high performing, inclusive credit teams. This includes hiring and developing diverse, top rated talent, ensuring effective partnerships with the campuses and LOB, and providing mentoring, coaching and development of credit staff in the region.
Participate in the annual goal setting process and communicates those goals to Senior Credit Officers throughout the region.
Lead performance reviews for Senior Credit Officers and create an "employer of choice" environment where recruiting top talent, maintaining high employee morale, leadership development, career pathing, succession planning, and recognition are priorities. Support the recruiting process, as required for Credit, Campuses and LOB.
Promote a credit culture that is dynamic and client centric, while maintaining portfolio quality in line with Key's moderate credit risk appetite.
Bachelor's degree in accounting, finance, economics or related field; MBA preferred.
10 + years financial lending/credit experience which should include experience through one complete economic cycle.
Demonstrated high level of financial acumen, team building skills, managerial skills, interpersonal skills and decision/solution effectiveness. Line of business experience is desirable.
Experience with multiple types of lending (e.g. middle market, private banking, small business) is preferred.
KeyCorp's roots trace back 190 years to Albany, New York. Headquartered in Cleveland, Ohio, Key is one of the nation's largest bank-based financial services companies, with assets of approximately $134.5 billion at March 31, 2017. Key provides deposit, lending, cash management, insurance, and investment services to individuals and businesses in 15 states under the name KeyBank National Association through a network of more than 1,200 branches and more than 1,500 ATMs. Key also provides a broad range of sophisticated corporate and investment banking products, such as merger and acquisition advice, public and private debt and equity, syndications, and derivatives to middle market companies in selected industries throughout the United States under the KeyBanc Capital Markets trade name. KeyBank is Member FDIC.
ABOUT THE BUSINESS:
Key Enterprise Risk Management provides leadership on risk management strategies and initiatives for credit, market, compliance and operational risk, as well as portfolio management, quantitative analytics and asset recovery activities. Key's objective is to achieve and sustain strong enterprise risk management practices consistent with industry standards and regulatory expectations in support of business strategies. To reach this goal, risk is identified, measured and managed in a manner that promotes effective decision-making and instills accountability. A strong risk culture is critical to achieving our vision to become the best regional bank in the U.S.
KeyCorp is an Equal Opportunity and Affirmative Action Employer committed to engaging a diverse workforce and sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or veteran status.
VP, Senior Credit Officer
At Axiom Bank, you will be part of a diverse team in an environment that promotes collaboration, accountability, respect, and high ethical standards. We encourage you to aim for the sky and leverage your expertise and passion to excel. You’ll also have opportunities to help improve the communities we have been serving since 1963. Axiom Bank is a growing, dynamic organization this is an exciting time to get on board!
The incumbent has responsibility across all loan and credit risk portfolios including (1) the management, supervision and direction of all credit underwriting activities, (2) development and annual review of credit policies and procedures, (3) portfolio credit risk measurement, management and reporting (4) the quality of reporting and approval processes.
Key Responsibilities and Accountabilities
The VP Senior Credit Officer’s Key Accountabilities include, but are not limited to the following:
Manages the credit analytical function in support of the commercial portfolio including: timely development of new loan proposals, annual or more frequent internal loan reviews, and monitoring of risk ratings, exceptions, and covenants compliance.
Ensures reporting data integrity, in particular the monthly confirmation of risk ratings for internal and external reporting purposes.
Provides for stress testing within the bank's portfolio segments which are sensitive to changing market conditions in concert with senior management and/or regulatory defined what if scenarios.
Keeps management informed of any material issues affecting the loan portfolios, loan policies and unusual individual loan transactions of significant size or risk.
Provides for the development of revisions of policies, procedures and agreements to ensure compliance with the regulatory guidance.
Ensures that deviations from policy are identified, reported, and approved or corrected.
Coordinates materials and scheduling of Officers’ Credit Committee meetings and compiles minutes.
Coordinates materials for Board Credit Committee meetings.
Provides advice and guidance to lending management and staff. Consults with lending personnel as to risk on complex or unusual loan requests.
Works in concert with the Chief Credit Officer regarding examination of lending practices and policies for compliance with regulations.
Resolves credit policy issues identified internally or by regulators by coordinating due diligence efforts with line of business managers.
Supervises loan reviews and monitors collection of financial statements.
Supervision of Personnel
Credit Analyst(s) & Commercial Credit Specialist
This position is performed in a regular office work environment, including ability to lift and carry files of up to 10 lbs. Extensive use of computer terminal and keyboard. The incumbent will be expected to be able to work Monday through Friday and work will mainly be performed at the Maitland location; occasional evening and weekend work may be required. Flexibility with work location and hours may be granted if circumstances permit.
Bachelor’s degree in Finance, Accounting, or Business related program.
Minimum of 10+ years of banking with a minimum of 3 years credit and credit managerial experience in policy, analysis, loss mitigation/workout, loan servicing and regulatory compliance.
Strong analytical and presentation skills, strong managerial skills, team oriented.
Ability to set and adjust priorities as needed to meet critical deadlines.
Proficiency in financial statement/credit analysis.
Proficient in Word, Excel, Outlook, and financial analysis software.
Other Duties - Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.
(Reasonable accommodations may be made to enable individuals with disabilities to perform these tasks. If you need an accommodation, please contact us at )
Supporting communities. Improving lives. Working together toward your future.
At Axiom Bank we believe in working together for a brighter future. Through our environment of collaboration and camaraderie, we offer a uniquely fun and rewarding place to develop your career. Axiom Bank is headquartered in Central Florida and has 24 branch locations, with 22 branches located inside select Walmart Supercenters .
Working in our Branches: Our innovative in-store branch model makes working at Axiom Bank unlike any other traditional banking institution. Set in a retail environment, our bankers are empowered to engage with customers, developing relationships that improve lives and strengthen communities.
We believe in the value of promoting a healthy work/life balance and are committed to recognizing the role everyone plays in our ongoing success through competitive benefits, as well as the guidance you need to learn new skills and shape our business and future. We proudly offer the following benefits to our Full Time Employees:
11 Paid Holidays
Generous Paid Time Off
Medical, Dental and Vision Benefits
Company Paid Life, AD&D Insurance, Plus 100% Company Paid Short and Long Term Disability
In order to provide equal employment and advancement opportunities to all individuals, employment decisions at Axiom Bank are based on merit, qualifications, and abilities. Axiom Bank does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, age, disability, sexual orientation, gender identity, genetic information, protected Veteran status, or any other characteristic protected by law.
Legal authorization to work in the US is required. We will not sponsor individuals for employment visas, now or in the future, for this job opening.
Axiom Bank will make reasonable accommodations for qualified individuals with known disabilities unless doing so would result in an undue hardship.
It is the policy of Axiom Bank to conduct background, credit reference and drug screening tests as a condition of employment. Drug Free Workplace. EOE/AA/Minority, Female, Disabled, Veteran.
All applications for employment must be submitted through the Axiom Bank Job board, to be considered.
You must be 18 years or older
You must have a high school diploma or equivalent
You must be willing to take a drug test and submit to a background investigation as part of the selection process
If currently an Axiom Bank employee, you must have been in your current position for a minimum of 1 year, have at least a "consistently meets expectations" performance rating and have the approval of your manager to post or the approval of your manager and HR to apply if you don't meet the time-in-job performance requirement.
Axiom Bank is not seeking assistance or accepting unsolicited resumes from search firms for employment or contractor opportunities. All resumes submitted by search firms to any employee at Axiom Bank via e-mail, the Internet, or directly to hiring managers in any form without valid written search agreement executed by an Authorized Officer at Axiom Bank for that specific position will be deemed the sole property of Axiom Bank and no fee will be paid in the event the candidate is hired as a result of the referral or through other means.
District Credit Associate - St. Paul
Sherwin-Williamsis the largest paints and coatings company in the world. With $15.8 billion insales, more than 4,100 stores, and 140 manufacturing and distribution centersworldwide. Our 60,000 employees across the globe are diverse, innovative andpassionate. With a variety of rewarding and challenging opportunities,Sherwin-Williams is a great place to launch and grow a career. Find yours andjoin us today.
SUMMARY OF POSITION:
This position is responsible for supporting the credit activities of Sherwin-Williams paint store customers. This involves collecting delinquent receivables for commercial accounts and processing accounts to third party collections as required. This role will have direct customer phone contact to resolve discrepancies or disputes and effect collection of delinquent or overlimit balances. It will provide accurate reports to management to document all collection activity, status of accounts, costs, etc. It will also maintain open communication with customers and the parent store to protect future business relationships and enhance repeat business.
Must have the authorization to work in this country without visa sponsorship.
Must be able to operate a computer and communicate via the telephone.
Prefer accounting/professional accounts receivable management experience.
Prefer Bachelors Degree in a Business-related field.
Personal computer skills desirable.
Ability to implement successful collection activity to obtain optimum cash flow and profitability from the accounts.
Good written and verbal communication skills. Ability to communicate effectively with management staff, and external customers including collection agencies and attorneys.
Ability to make decisions and solve customer discrepancies or disputes and effect collection of delinquent accounts.
Whowe are -
AtSherwin-Williams, we're proud of the company we keep — our family of loyalemployees. To learn about our company and our culture go to Sherwin.com/careers.
EqualOpportunity Employer. All qualifiedcandidates will receive consideration for employment and will not bediscriminated against based on race, color, religion, sex, sexual orientation,gender identity, national origin, protected veteran status, disability, age,pregnancy, genetic information, creed, citizenship status, marital status orany other consideration prohibited by law or contract.
VEVRAAFederal Contractor requesting priority referral of protected veterans.
Consumer Credit Card Product And Strategy Leader
At Wells Fargo, we want to satisfy our customers' financial needs and help them succeed financially. We're looking for talented people who will put our customers at the center of everything we do. Join our diverse and inclusive team where you'll feel valued and inspired to contribute your unique skills and experience. Help us build a better Wells Fargo. It all begins with outstanding talent. It all begins with you.
The Payments, Virtual Solutions, and Innovation (PVSI) team includes Operations, Cards and Retail Services, Deposit Products Group, the Innovation Group, Treasury Management, Merchant Services, Payment Solutions, and Wells Fargo Virtual Channels and the professional services teams that partner with these businesses. PVSI's focus is on delivering the next generation of payments and deposit capabilities and advancing our digital and online offerings to design new customer experiences and products. Its guiding principles are to start with the customer, move faster, and partner effectively.
The Cards & Retail Services team helps customers achieve their financial dreams by providing a variety of products across the credit spectrum. We deliver industry-leading rewards, offers and benefits that recognize and celebrate our customers' relationship with Wells Fargo. Our customers all have unique goals and dreams - whether preparing for a home improvement project, shopping for a new sofa or kitchen table or meeting healthcare and dental needs. Others just want a financial tool that allows them to make everyday purchases while earning rewards. Our team works together with groups across the company, including the bankers in our 6,200 banking stores, to provide financing in the form of general-purpose cards, co-branded cards and private-label and industry cards. Our team is 6,700 strong, working in communities across the nation, and focused on doing our very best to help our customers succeed financially.
This leader will have responsibility for leading the management and strategic direction of Wells Fargo's Mass Affluent and above credit cards. This includes a range of product including but not limited to Cashback, Rewards and Wealth cards. He/She will be responsible for managing the P&L as well as providing strategic direction to accelerate balance growth and profitability. Work closely with the Head of the General Purpose Credit Card Product Management on the strategic plan to ensure balanced growth across the varied consumer segments.
The WF General Purpose credit card business has experienced transformative change over the past 6 years. As the business evolves, we desire to hire an experienced credit card executive who can lead the organization through the next wave of strategic changes across products, channels and segments.
Additionally, this leader will service as the point of contact for a number of critical strategic leadership initiatives. In addition, strategic leadership of critical cross business initiatives and partnership with the New Product Development and Operations Risk Control teams are key component of this role.
Specifically this leader will:
Serve as the credit card product champion for Mass Affluent and above portfolios, which includes strategy development and ownership of the P&L
Serve as the "thought leader" (both internally and externally) surrounding the trends, issues and opportunities associated with credit card products. It is expected this leading edge thinking will lead to new revenue generation opportunities both through new product development as well as increased profitability within existing products
Demonstrate ability to lead a multi-faceted growth strategy for a complex business. Build out strategies to diversity our product mix while focusing on long range strategic plan linked to financial metrics
Develop the long range growth strategy of product, channel, segment mix to ensure diversified revenue and profit mix for the business. Must have a keen understanding of the credit card P&L, to ensure the right balance of strategic business and customer insights
Drive strategies to ensure appropriate focus to support volume, return and market share targets while consistently improving profitability
Frame the overall Product Line Strategy across the credit card product line, working closely with the new product development teams
Create a structured approach to leading a diverse set of responsibilities based on changing business needs while maintaining focus/insights into customer needs
Ability to lead, prioritize, delegate authority to ensure effective utilization of staff as the business needs change. Focus on staff leadership and development
Partner with new product development team on strategic product development and ensure product design and features evolve to meet the customer and business need
Serve as focal point on pricing and distribution strategies for the said products. This includes, end-to-end technical/systems and customer requirements and performance measurement
Key leader with network partners (understanding of contracts and business impacts)
Partner closely with Complaints and FLOD on Operational Risk controls needed to de-risk the business and drive operational excellence
Manage, partner and collaborate across the enterprise to align and coordinate distribution strategy aligned to products, systems requirements, marketing and training, ongoing product management
Provide guidance as needed to our Credit, Sales, Underwriting, etc., teams to assist in evolving our customer centric approach evolve the product experience and maximize overall opportunity
Develop strong partnership with a wide-range of people inside and outside of WF including: Marketing, Customer Experience, Analytics, Operational and Credit Risk team, Finance, Corporate Credit, Legal/Compliance, Community Banking, Visa, American Express, FDR, etc.
Be a champion for diversity, developing new leaders and serving as true partner and collaborator across the entire WF Enterprise
Lead with an Operational Risk focus and be able to identify and provide solutions that mitigate Operational Risk to the portfolio and the bank
- 8+ years of product development and product management experience
- 8+ years of management experience
Other Desired Qualifications
Proven strategic leadership of a complex, evolving set of responsibilities. General management leadership and experience managing a credit card product line will be a key determining factor in selection.
Strategic leadership, credibility and strong inter-personal skills will weigh heavily in the selection process.
Specifically, we seek:
A seasoned executive with at least 10 plus years of increasing leadership and management responsibility in the Consumer Lending industry with national consumer credit card experience highly preferred.
Leader with demonstrated aptitude to quickly comprehend key financial leverage points to develop opportunities to expand product lines and increase market penetration.
Proven experience in establishing a large scale vision, developing the strategy to support the vision, gaining consensus across key functional leadership through effective communication and driving vision through to achievement of goals and objectives.
Demonstrated ability to manage effectively in a matrixed organization, develop partnerships with many business and functional areas, provide insight into the economic climate and related market developments and identify trends which may present opportunities or reflect gaps in the business.
Individual with demonstrated strategic agility with ability to lead a diverse set of initiatives focused on card growth.
Quantitative business leader with strong P&L acumen tied to building long term business strategy.
Experience leading multiple products with demonstrated strategic leadership.
Strong quantitative and strategic leadership skills.
Multiple years of demonstrated progressive leadership experience with a proven track record of senior level product management and development.
Relationship building at senior levels and ability to drive decision making through a consensus building approach.
Proven marketing, product development and strategic planning experience within a large organization is required.
Analytic capabilities utilized to identify root cause issues/improvement opportunities, and designing approaches/programs/ products to address customer issues.
Demonstrated customer centric orientation, both with external customers as well as internal company clients.
Demonstrated ability to discover and mitigate Operational Risk for the business with implementation of customer centric solutions
Relationship building at senior levels and ability to drive decision making through a consensus building approach.
Demonstrated ability to effectively drive and lead organizational change as well as led a complex business with changing needs while focusing on decreasing operational risk.
Excellent problem solving and analytical skills.
Excellent verbal and written communication and presentation skills.
Superior facilitation and presentation skills with the ability to anticipate business challenges and proactively develop and action plan.
Bachelor's degree, MBA preferred
Beyond experience, the successful candidate will possess the right balance of strategic leadership, vision, partnering and collaboration skills along with an engaging, motivational style and attitude to ensure his or her success in this role. This individual must be an exceptional strategic leader and will be recognized for accomplishments related to relationship management, people leadership, strategic and innovative thought leadership and collaboration across the company.
Strategic Leadership – Creating and achieving a desired future state vision through influence on individual and group goals, reinforcements and systems
Results oriented with outstanding ability to motivate teams and mobilize the resources to accomplish objectives
A true team player and collaborator, translating prior knowledge and experience into strong and productive relationships internally and externally
Organizational Awareness – Having and using knowledge of systems, situations, pressures, and culture within the company to identify potential organizational problems and opportunities; perceiving the impact and the implications of decisions on other components of the company as well as the impact on investors, customers, and clients
A respected business partner who adds value to the broader team
A strong and effective manager and leader, capable of attracting, mentoring, retaining and promoting talented and productive staff
An impeccable reputation for integrity, accuracy, consistency, big picture orientation and business acumen
Dedicated, enthusiastic, driven and performance-oriented; possesses a strong work ethic
Able to effectively and constructively lead change in an organization
- Ability to travel up to 25% of the time
All offers for employment with Wells Fargo are contingent upon the candidate having successfully completed a criminal background check. Wells Fargo will consider qualified candidates with criminal histories in a manner consistent with the requirements of applicable local, state and Federal law, including Section 19 of the Federal Deposit Insurance Act.
Relevant military experience is considered for veterans and transitioning service men and women.
Wells Fargo is an Affirmative Action and Equal Opportunity Employer, Minority/Female/Disabled/Veteran/Gender Identity/Sexual Orientation.
PYMTVIRSOLSINN/PVSI WH 0162406 PYMTVIRSOLSINN/PVSI WH
Group Manager, Credit & Coounterparty Risk
What sets Bank of the West apart from other banks is our team members–they embody the optimistic spirit of the West. There is a spirit here that drives us to do more. Our team of more than 10,000 employees is vital to the success of our Bank. They reflect our modern western values—straightforward, entrepreneurial and optimistic. We seek to create a corporate culture that fosters and rewards excellence, encourages creative thinking and respects diversity – an environment where team members are engaged, supportive of one another and enthusiastic about serving our customers. Bank of the West offers the stability of a company that has a 135 year history and is part of BNP Paribas, a European leader in global banking and financial services and one of the 6 strongest banks in the world. We offer opportunities across our diverse business lines – Retail Banking, Commercial Banking, National Finance, and Wealth Management.
Job Description Summary
Responsible for leading a team of credit administrators and other staff to facilitate and support the bank's objectives to increase earning assets while maintaining quality standards by approving or declining commercial and/or real estate loans, and by working closely with assigned units to negotiate and structure highly complex credit arrangements. Lending authority is generally $10 million or higher.
Essential Job Functions
Leads a team of credit administrators and other staff who facilitates commercial and/or real estate loan originations by working with line officers in structuring and development of loan proposals to meet the customers' or prospects' needs while conforming to bank and regulatory requirements. Directly handles significant, highly complex loans and makes joint calls as needed.
Reinforces adherence to bank underwriting policies and procedures and growth, quality and profit objectives through the loan approval process.
Implements and reinforces policies and procedures to comply with fundamental business and credit priorities of the bank.
Directly supervises credit administrators including selection, development, and performance management. May also have responsibility for managing other related functions such as agricultural field representatives.
Develops and conducts training classes on new or updated procedures.
Ensures monitoring compliance with internal and regulatory requirements.
Reviews analysis of pertinent financial and credit data and makes final credit decisions (approval or declination) within signing authority. Recommends to higher level of authority if appropriate.
Interacts with internal and external auditors on regulatory issues of quality and on related trends.
Other Job Duties
Assists in identifying and managing troubled assets and potential troubled assets in assigned area.
Provides guidance to line offices as applicable on identification and management of classified and/or troubled loans.
Follows commercial loan risk ratings to ensure maintenance of a quality loan portfolio.
Performs reviews of specific portfolio composition and quality as assigned.
Interacts with line units and service centers, operations, accounting, appraisal, legal and other related bank personnel.
Keeps informed of competitors' rates and loan programs and recommends appropriate changes to current bank programs and rates.
Performs other duties as assigned.
Requires broad management and leadership knowledge to lead project teams multiple job areas.
Typically has mastery level knowledge and skills within a specific technical or professional discipline with broad understanding of other areas within the job function.
Requires 12-15 years minimum prior relevant experience.
- Bachelor's Degree
Thorough knowledge of commercial and/or real estate lending policies, practices, documentation, and legal and regulatory requirements.
Thorough knowledge of financial statement, business, industry and economic analysis.
Complete understanding of syndications, capital markets, and other highly complex lending facilities.
May require specific industry knowledge, i.e.. agribusiness, real estate construction, etc.
Analytical and research.
Bank product and service knowledge.
Verbal and written communication.
Use personal computer.
Planning and organizing.
Equal Employment Opportunity Policy
Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.
Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations.
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Branch Manager Sebastopol
Service Banker (Teller) 30 Hour Cedar Rapids Downtown
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Credit And Collections Manager
This role will support the Global Chlor-Alkali Business Manufacturing and will focus on the division's highest value plants and products.
Olin Chlor Alkali Products & Vinyls, a division of Olin Corporation, has an opening for a Credit and Collections Manager, located in Houston, TX. The Credit and Collections Manager will support the Credit and Collections processes including credit reviews, credit limits, and accounts receivable portfolio in compliance with policy, procedures and controls.
Olin Corporation is a leading vertically-integrated global manufacturer of chemical products and a leading U.S. manufacturer of ammunition. Olin is the world's leading producer or chlor alkali products and Vinyls, the number one supplier of epoxy materials, the number one global seller of membrane caustic soda and chlorinated organics and the number one North American seller of chlorine, bleach and hydrochloric acid. Winchester's principal manufacturing facilities produce and distribute sporting ammunition, law enforcement ammunition, reloading components, small caliber military ammunition and components and industrial cartridges.
Essential Job Functions:
Manage activities of direct reports to include delegation of tasks to team, creating a balanced workload. This will include proactively adjusting activities as required to include non-routine task and projects that arise in day to day business. Assess team strengths and weaknesses, implementing mentoring and development programs as required for each individual team member. Insure all activities have back-up coverage during team member absence.
Review and prepare risk analysis for establishment of credit for all new customers. Perform due diligence in compliance with credit and collection policy and procedures.
Manage and document routine credit review of existing customers in compliance with the credit and collections policy and procedures. Initiate action items required as a result of the updated credit risk analysis.
Recommend credit limits based on credit analysis. Document and present recommendations to managers with delegation of authority.
Monitor accounts receivable portfolio consistently for events that may negatively impact risk. React and recommend immediate action, where required, to minimize risk. Engage business leaders in decision making if required.
Daily monitoring of customer order blocks to determine reason for block and proactively address issue (past due items, credit limit exceeded, master data issue, etc), including communication with the customer service/sales order processing teams
Make recommendations for customers to be considered for quarterly global bad debt reserves, including recommendation for probability of default. Maintain documentation to support rationale for recommendations and changes to recommendations.
Review new and amended customer contracts to verify payment terms and contract language for risk mitigation. Make recommendations for changes and communicate with commercial on non-standard payment terms.
Interact daily with the commercial team by providing guidance in relation to high risk customers, options for settling customer disputes, address customers who pay outside agreed payment terms, advise and discuss customer payment plans as required.
Actively participate in and manage audit requirements for both internal and external audit.
Supervise team monitoring and following up on delinquent accounts
Maintain SOX internal control documentations and related assessments, making changes and recommendations for change as necessary.
Maintain and manage teams performance against metrics such as DSO, support monthly analysis of fluctuations in metrics, portfolio aging, and accounts receivable balances.
Other: non-routine financial analysis; support and/or manage special projects for improvements to area of responsibility; special non-routine assignments; manage administrative items related to managing direct reports (time approval, performance reviews, etc)
Bachelor's in Accounting required
Proficient in SAP Credit and Collection modules.
Minimum 10 years of related experience, including management experience in large public and global company with a track record of steadily increasing responsibility, accountability and leadership.
Ability to coach and develop people and delegate effectively
Knowledge on laws and regulations concerning credit and collection issues, such as UCC filings, legal credit applications, and enforceable guarantees of payment.
Experience with managing internal controls (SOX and SOC) and compliance with those controls
Requires a comprehensive knowledge of financial statements and financial statement analysis in order to accurately define customer's risk and financial position.
Knowledgeable in the use of third party credit agencies and using the published information for credit risk assessments.
Proven ability to build strong relationships with global peers and senior leadership
Solid knowledge and demonstrated ability on the application of US GAAP
Clear and effective written and verbal communication skills
Proficient with Microsoft Office package – Excel, Word, PowerPoint, Outlook
Strong analytical and problem solving skills and attention to detail
Continuous process improvement mindset
Degree must be from a school that is accredited by an accrediting agency recognized by the Secretary of Education of the U.S. Department of Education
This position is not eligible for an expat assignment
Olin does not provide any form of sponsorship to applicants not authorized to work in the US.
Olin is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, protected veteran status, or any other characteristic protected by law.
Credit Review Specialist 1 - North Central Credit Administration Spreading Team
The analyst will work with various US Bank software applications to spread various types of financial statements (Audits, Reviews, Compilations, Company Prepared financial statements and tax returns). Conducts credit analyses including gathering, analyzing and interpreting all types of credit information on existing and prospective customers and portfolios. Inputs the data gathered into tracking and/or reporting computer systems and/or databases. Monitors customer accounts and/or loan portfolios in order to identify potential issues and thereby maximize credit quality and minimize the company's credit risk and potential loss. Sets up and maintains databases used to analyze accounts and/or portfolios. Prepares and presents credit reports to person(s) responsible for maintaining control over the credit standings of individual accounts and portfolios and for making lending decisions on new, renewal and extension loans. Generally furnishes information relative to credit inquiries to appropriate parties.
Bachelor's degree, or equivalent work experience
One to two years of experience in credit analysis and/or lending activities
Well-developed credit analysis and analytical skills
General knowledge of economics, accounting, and finance
Basic knowledge of risk analysis
Effective technical report writing skills
Effective verbal and written communication skills
A solid knowledgeable / understanding of accounting principles
Strong attention to detail
Investigative in nature; willing to do research (may include industry research / research specific to US Bank underwriting policies and various guidelines, etc.)
An understanding of tax statements would be helpful
Good attitude and aptitude for learning
Senior Credit Underwriter (Healthcare)
DLL is a global provider of asset-based financial solutions in the Agriculture, Food, Healthcare, Clean Technology, Transportation, Construction, Industrial and Technology Solutions industries. We collaborate with equipment manufacturers, dealers and distributors in more than 30 countries to enable businesses to obtain and use the assets they need to contribute meaningfully to the world.
Do you believe businesses should have a bigger ambition than short term profit? If you do, join DLL's mission to 'See what counts'. You'll be part of a team that gets the right tools into the right hands. A team that understands the heart and soul of our partners' business. A team that provides original financial solutions to sustain success for generations.
As a Structured Credit Analyst, you will be expected to execute the risk management and credit underwriting processes, based on assigned authority levels and targets, in order to support the commercial loan / lease origination activities, while also achieving expected loss targets.
Day to Day:
Assess completeness and topicality of client information as a basis for credit and risk analysis and decisions.
Maintain credit reviews assigned in a current status, with timely follow-up with clients on information needed.
Analyze risk of customer/end-user, local vendor or local dealer as thorough basis for decision making on local vendor/dealer agreements and end-user credit applications.
Check credit and vendor lines and follow up validity of credit limits in risk committee. Recommend to risk committee the approval of credit line amounts for vendors, dealers and end-users.
Re-rate annually end-users, local vendors and local dealers on risk rating.
Monitor credit lines assigned on an ongoing basis, to ensure borrower compliance with credit requirements specific to that borrower. Interim reviews and field inspections as required.
Take independent, quick and efficient decisions on credit applications within delegated authority.
Assist commercial team in the attainment of qualified new vendor, dealer and end-user clients. Emphasis on larger relationships.
Provide leadership to other team members in credit analysis, construction of a well written / concise credit recommendation and presentation to local credit committee.
Monitor the credit/risk profile of assigned accounts and advise in order to stay in control and take corrective action when needed.
Contribute to the fine-tuning and tailoring of credit and risk policies and regulations.
Develop local credit and risk management policies/guidelines in order to ensure a proper fit with local regulations and requirements.
Other duties as assigned.
Bachelor's degree in related field
2-7 years of extensive experience in the field of credit analysis, underwriting and risk management
Experience in mid-ticket underwriting
Expert knowledge of financial analysis, portfolio analysis, external regulations and credit/risk management policies; knowledge of medical equipment a plus
High analytical skills / excellent writing skills
Ability to communicate effectively / concisely, both orally and written with other members of the team, clients and prospective clients
Demonstrates a high degree of energy, attention to detail and teamwork
Some travel may be required
Two working days per year volunteering for a local charity
Full Service Cafeteria and Fitness Center on campus
Flexible hours with possibility to work from home (within job scope)
Career development opportunities: online learning, member development programs, Tuition reimbursement program.
Company matching 401k program
Industry leading Paid Time Off package
Outstanding Medical, Dental, Vision benefit programs
One month fully paid sabbatical after seven years of service
Director, Global Client Credit
This position assists the Assistant Treasurer and Treasurer in global risk assessment, reviewing and approving credit analyses, and managing the Credit Team.
Review and decision all credit limits entered into TMS under his or her approval authority
Work with IT to ensure the Credit Team database is up-to-date and functioning properly.; complete any updates as needed or requested by IT
Manage members of the Credit Team
Monitor current events across all silos for possible changes in a client's creditworthiness
Monitor and analyze industry risk and country risk across all silos for possible changes that would affect our client's creditworthiness
Ensure that every client of each agency has a credit limit that has been communicated to the senior finance person at the agency on a routine basis
EDUCATION AND EXPERIENCE REQUIREMENTS:
Bachelor's Degree in Finance or Accounting required with a solid understanding of financial statement and credit analysis
Ten or more years of experience with credit evaluation and financial statement analysis
Proficient with Excel and SAP; previous Bloomberg experience helpful
Excellent written and verbal communication skills
Ability to interface well with other internal company departments and units
Ability to work well with team members in a supervisory role
Strong analytical and problem solving skills
Strong organizational skills
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