Analyzes credit information to support lending decisions and processes for new and existing Commercial banking loans and credit solutions in an assigned portfolio of clients
Makes credit decisions and recommendations in compliance with bank policies and procedures while maintaining an exceptional client service environment
Negotiates loan structures and terms and conditions that align client requirements with the bank risk appetite and policies
Assesses client repayment capacity by utilizing financial models and analytical tools to recommend appropriate loan structures and collateral requirements
Signs off on new, renewal and extension loans within delegated authority
Monitors portfolio to identify deteriorating credit conditions and compliance
Evaluates portfolio performance and recommends capital allocation strategies that optimize returns with investment objectives
Leads proposal development and delivers presentations to capture new business and expand client relationships
Develops and executes business development plans focused on enhancing client relationships and growth opportunities within the portfolio
Builds and maintains client relationships to ensure long-term financial performance in collaboration with Relationship Manager and business partners

Preferred 5 – 7 years of relevant experience in credit or lending instruments or financial operations in a corporate or banking environment
Bachelor's degree required; Business Administration, Finance and Accounting preferred
Deep knowledge and technical proficiency gained through extensive education and business experience
Foundational level of proficiency: Structuring Deals
Advanced level of proficiency: Problem Solving, Collaboration, Detail-Oriented, Customer Service, Loan Structuring, Regulatory Compliance, Portfolio Management, Credit Risk Assessment, Banking Operations
Expert level of proficiency: Financial analysis

Associate Director, Commercial Banking

Key skills