Credit Associate, Asset Based Lending

• Facilitate the end-to-end lending process within the NAM CCB for the assigned relationships and portfolio
• Rapidly develop knowledge of assigned portfolio and industry, and create well-supported analysis that effectively balances risk and business objectives
• Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated
• Produce the underlying analysis and workflow supporting underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence
• Timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio
• Facilitate the loan documentation process for both new transactions and amendments or modifications
• including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents
• Attend periodic meetings regarding covered portfolio clients and select new to bank opportunities in partnership with CLM Credit Officer and the Relationship Management team
• Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients
• Mentor and develop more junior staff and other support to become effective resources and future contributors
• Recommend and champion changes to improve existing processes to achieve greater efficiency and controls
• Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls

• 3+ years of related experience in credit underwriting, portfolio and/ or risk management with a multinational financial services organization
• Asset Based Lending experience preferred
• Demonstrated knowledge of basic accounting and financial concepts and their practical application in the credit underwriting process
• Excellent communication (written, verbal, presentation and listening) and organizational skills
• ability to complete multiple priorities in a timely manner
• Demonstrates learning agility: seeks out resources and experience to continually build knowledge/skills
• quickly and successfully applies learning to new situations
• Proficient in spreadsheet, word processing and presentation applications, including strong data visualization skills
• Bachelor’s degree: advanced degree(s) and other certifications considered but not required

Asset Based Lending experience

• medical, dental & vision coverage
• 401(k)
• life, accident, and disability insurance
• and wellness programs
• paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays