The Credit Products Specialist I - Subscription Finance role is needed to support the underwriting, structuring, and management of commercial credit relationships, providing critical financial analysis, assisting in risk assessment, and ensuring sound credit decision-making to support the bank's commitment to responsible lending and portfolio growth.
Requirements
- 2+ Years in credit underwriting, portfolio management, or a related field.
- Strong financial analysis and risk assessment abilities.
- Basic understanding of loan structuring and credit agreements.
- Proficiency in financial modeling and credit decision tools.
- Strong foundational understanding of financial statements, key ratios, and credit analysis principles.
- Ability to assess financial data, identify trends, and evaluate borrower creditworthiness.
- Intermediate Excel skills (financial modeling, pivot tables, VLOOKUP), familiarity with credit analysis software.
Responsibilities
- Assist RMs in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages.
- Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
- Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
- Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
- Uses independent judgement and discretion to make decisions regarding assigned portfolio
- Analyzes and resolves problems pertaining to the assigned portfolio.
- Performs special projects, and additional duties and responsibilities as required.
Other
- Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience
- Effective communication and teamwork skills.
- Detail Orientation: Ensures accuracy in financial analysis, credit packages, and risk assessments.
- Collaboration & Communication: Works effectively with RMs, credit officers, and other stakeholders; strong written and verbal communication skills.
- Consistently adheres to regulatory and compliance policies and standards linked to the job as listed and complete required compliance trainings. Accountable to maintain compliance with applicable federal, state and local laws and regulations.
