HCC Sr Credit Officer

Responsibilities include but are not limited to:

• Primary:
• Approve commercial credits within prescribed credit authority (Industrial, and Healthcare markets) to support the Healthcare business segment and assist with the industrial business segments transactions.
• Monitor compliance with HCC Credit Policy and any applicable bank regulations.
• Work with Account Executives in structuring appropriate credit facilities for existing clients and new customers.
• Review (and sponsor as needed) credits submitted for Credit Committee approval.
• Mentor lenders and underwriters concerning the bank's credit culture, policies and procedures(structuring of commercial loans and leasing transactions).
• Secondary:
• Analyze monthly credit metrics and develop Credit Risk Assessment analysis for monthly Board meeting.
• Attend periodic meetings including HCC Watch and Criticized Loan and Credit Committee Meetings etc.
• Other CRM Duties:
• Conduct credit-related projects at the direction of Highland Chief Operating Officer.
• Participate in establishing and maintaining Credit Policy and related procedures and guidelines.
• Conduct credit assessment of commercial lease portfolios as part of due diligence efforts for potential acquisitions.

Qualifications Required Skills:

• Strong command of financial accounting including knowledge of Financial Accounting Standards Board (FASS) guidance affecting financial reporting such as FAS 5, FAS 13, FAS 95, FAS 114, FAS 141.
• Ability to analyze complex financial statements and assess business cash flow.
• Ability to analyze personal tax returns, personal financial statements and assess an individual's net worth, liquidity and cash flow capacity.
• Knowledge of corporate organizational structures and the impact of these structures on federal tax liability.
• Knowledge of the fundamental risk factors associated with a broad array of industry sectors (e.g., manufacturing, healthcare, packaging, plastics and printing) and assess these risks as part of the overall credit risk assessment and decision process.
• Ability to effectively communicate credit concerns and formulate alternate loan/lease structures to business unit Vice President, department heads and senior management.
• Ability to properly identify the key credit risks and reach a prompt and well thought out credit decision.
• Knowledge of loan/lease documentation requirements for all types of commercial loan and lease products utilized in the equipment leasing market.
• Strong knowledge of relevant banking regulations including Regulation B, Regulation 0, AML/BSA , OFAC.

Required Experience:

• Bachelor's Degree in a business-related discipline and a minimum of 7 years' credit experience in middle market involving loan and leasing transactions with substantial credit authority.
• Credit Management experience in at least one of the following areas: underwriting, portfolio management , lease/loan servicing, lesase/loan administration or loan documentation.
• Masters degree/MBA and formal credit training preferred.