Commercial Credit Lending Officer - Phoenix, AZ
Phoenix, Arizona
Job Description:
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Job Description:
This job is responsible for leading the commercial credit process within the Enterprise Credit organization for select Business Banking and Middle Market clients and prospects. Key responsibilitiesinclude collaborating directlywith the ClientManagement teams and internal partners to drive an efficient credit delivery experience. Job expectations includeobtaining lendingauthority toutilize through theunderwriting and approval process.
The Lending Officer acts as the point of contact for driving credit solutions for the client. The Lending Officer maintains relationships with the client management team and works directly with clients from deal structuring through final credit approval, legal document negotiations and closing as necessary. The Lending Officer is responsible for negotiation with the client on credit terms, performing full underwriting analysis and preparing deal justification. The Lending Officer will have single signature approval authority (per the Approval Grid) for credit and monitoring actions as needed. The Lending Officer ensures data quality of credit-related client and deal information.
Position can be filled as a Lending Officer I or II
Responsibilities:
Collaborates with Client Management teams to perform analysis of credit opportunities and prospects at the bank
Manages client and prospect originations including initial credit structuring, underwriting, legal documentation review, and deal closing
Delivers on data accuracy and quality of underwriting metrics in compliance with internal policies and procedures
Monitors assigned portfolios of client loan maturities and collaborates with Analysts to continuously recognize and address risks in a timely manner
Escalates and debates deteriorating assets in partnership with the Special Assets Group and Risk as appropriate
Participates in Regional and Market meetings to communicate credit delivery best practices and results
Required Skills:
2 + years Commercial credit experience
Client-facing experience-ability to consult & navigate client requests
Strong analytical skills and attention to detail
Effective communicator in both written and oral presentations
Ability to effectively partner with peers and other business units across the enterprise
Demonstrate sense of urgency with decision making and execution
Self-starter and ability to work independently
Must have proficiency with Microsoft office (Excel, PowerPoint, Word etc.)
Desired Skills:
BA/BS degree in Finance, Accounting or Economics majors preferred
Prior commercial loan underwriting experience
Skills:
Loan Structuring
Underwriting
Collaboration
Decision Making
Written Communications
Interpret Relevant Laws, Rules, and Regulations
Credit Documentation Requirements
Active Listening
Analytical Thinking
Attention to Detail
Issue Management
Risk Management
Negotiation
Oral Communications
Prioritization
Minimum Education Requirement: High School Diploma / GED / Secondary School or equivalent
Shift:
1st shift (United States of America)
Hours Per Week:
40
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