Senior Credit / Lending Officer Job at Wells Fargo (Irving)

Citi Commercial Bank (CCB), EMEA & UK Consumer, Retail & Healthcare Head

The CCB EMEA Consumer, Retail & Healthcare Head will be responsible for driving ...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

15+ years of commercial/corporate banking experience with demonstrated industry expertise
In-depth knowledge of all aspects of commercial/corporate banking products including treasury management, trade, markets, lending, capital markets and strategic advisory, with a particular focus on delivering Citi's global network
Significant experience in a credit decision making authority, with experience in complex capital structures and cross border transactions
Deep experience in pitching and executing capital markets and strategic solutions, including joint planning and calling with investment bankers
Possesses sound judgement and is creative in providing structured solutions to clients
Business builder capable of creating a vision and motivating the team
Capability to demonstrate advanced level credit skills to be appointed a senior credit officer
Bachelor's degree/University degree or equivalent experience
Master's/MBA degree preferred
Senior Credit Officer or Senior Credit Officer candidate

Job Responsibility

Size EMEA / UK mid-market growth opportunity and develop a strategy to capture it
Identify emerging trends, including disruptors and new sub-sectors
Optimise resource allocation aligned with EMEA / UK strategy
Be visible as an industry leader in the market and internally
Execution of Citi initiatives across the franchise
Drive innovation including development and commercialisation of industry specific solutions in partnership with products / regions / countries and leveraging digital tools and platforms
Collaborate with product and risk partners to ensure we deliver One Citi to our clients. Own, respond to, uncover and anticipate future needs, roadblocks or risks and expectations
Drive industry thought leadership externally and internally and drive presence in industry ecosystem
Co-ordinate industry webinars, client events and external marketing
Establish and lead robust sales management processes for pipeline management, new client acquisition, client penetration and winning share of wallet

Fulltime

Risk Management Country Officer

The Risk Management Country Officer (RMCO) for Colombia is a senior position res...

Location

Colombia , Bogotá

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

10+ years of relevant experience, desirable banking experience or financial institutions
experience in people management
comprehensive understanding of Banking and Capital Markets products
experience with wholesale credit portfolio performance monitoring and metrics
comprehensive understanding of strategic direction of the function
in-depth conceptual/practical grounding in the function and/or expertise in related subject areas
preferably SCO or SCO journey initiated
fully bilingual (Spanish & English)
Bachelor's degree/University degree or equivalent experience
Master's degree preferred

Job Responsibility

Lead a team/organization responsible for risk management activities associated with the wholesale credit portfolio
analyze credit risk and provide credit recommendations and guidance to senior risk managers
apply understanding of inherent credit risks for a range of banking products including lending, structured/acquisition finance, and capital markets transactions
analyze transactions and assist in structuring transactions to contain Citi’s credit risk within acceptable parameters
conduct internal and external oversight reviews and manage Operating Committee engagement
produce credit and exposure analyses to ensure aggregate risk exposure to customers remains appropriate to credit standing
serve as the main point of contact with local regulators and internal audit function on integrated risk matters
appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency, as well as effectively supervise the activity of others and create accountability with those who fail to maintain these standards
stay updated on industry developments and apply in-depth knowledge to contribute to strategic and pro-active risk management
provide guidance, review & challenge, and recommendations on complex credit approvals for an assigned credit portfolio

What we offer

Equal opportunity employer policy
policy for reasonable accommodations

Fulltime

New

Business Banking Investment Commercial Real Estate Underwriter Portfolio Manager

The Portfolio Manager IV is responsible for ensuring overall portfolio performan...

Location

United States , Westwood; Iselin; West Conshohocken; Short Hills

Salary:

118000.00 - 146000.00 USD / Year

Citizens Bank

Expiration Date

Until further notice

Requirements

10+ years of experience and exhibited competency in various aspects of commercial real estate lending and/or portfolio management including financial analysis and credit structuring, understanding and applying credit policy, and credit monitoring and risk administration practices
Superior knowledge of loan and related legal documents
Must be skilled in proposing, negotiating and recommending credit and covenant structures
Must demonstrate practical and conceptual knowledge of credit and risk analysis and Banking regulations
Strong communication skills
and ability to influence others by persuasively presenting thoughts and ideas to gain commitment and agreement for proposed ideas and solutions
Superior understanding of commercial real estate industry nuances applicable to the credits contained within group's portfolio
Ability to think critically, solve problems, strong attention to detail and effective decision maker
Bachelor's Degree preferred

Job Responsibility

Effective credit and risk administration with particular emphasis on adherence to credit policy and requirements, financial analysis/modeling, risk evaluation, on-going portfolio maintenance activities, and as needed client support of pooled or individual portfolio
Independent interaction with Senior Management, Sales Team, Credit Products Manager, Credit Officer and Workout Officer, in order to discuss and resolve risk related issues
Independent review of financials, makes recommendations for approval of annual review/renewal, modifications, as well as, underwrites and recommends new money requests for approval to credit officers

What we offer

Annual discretionary bonus
Comprehensive medical coverage
Dental coverage
Vision coverage
Retirement benefits
Maternity/paternity leave
Flexible work arrangements
Education reimbursement
Wellness programs

Fulltime

Senior Middle Office Analyst: Credit / Lending

We are seeking a Senior Middle Office Analyst – Insurance Operations to lead the...

Location

United States , New York

Salary:

100000.00 - 130000.00 USD / Year

Talan

Expiration Date

Until further notice

Requirements

Minimum 5 years of experience in commercial lending or asset finance operations within a commercial bank
Proven, hands-on experience managing insurance on lending transactions
Bachelor’s degree in Finance, Business, or a related field
Strong working knowledge of Loan IQ
Solid proficiency in Excel and PowerPoint
Good understanding of financial statements and comfort with financial ratio analysis

Job Responsibility

Act as the primary subject matter expert for credit insurance across all relevant lending transactions
Oversee the calculation, validation, and processing of insurance premiums
Ensure accurate booking, monitoring, and reconciliation of insurance-related transactions in Loan IQ
Review complex insurance policies and related legal documentation
Perform and validate pre-funding insurance checks
Serve as the main point of contact for insurance-related matters
Monitor insurance covenants and reporting obligations
Drive process improvements across insurance booking, reconciliation, controls, and reporting

What we offer

401(k) retirement plan with company matching
15 days of paid vacation per year at hire and up to 27 according to seniority
8 paid holidays + 5 sick days + 2 personal days per year
Company health, dental, and vision insurance plans + FSA
Voluntary STD and LTD
Commuter/transit benefits

Fulltime

Vice-President - Senior Credit Analyst

The ICM Senior Credit Analyst will lead the evaluation and ongoing management of...

Location

India , Mumbai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

CA, CFA, or MBA (Finance) with 10–13 years of experience in credit risk, corporate lending, or financial research
Exceptional experience with the internal Policies, Standards, Procedures, Templates
Ability to analyze and evaluate financial statements and business plans, across a range of industrial sectors and form independent opinions on credit and emerging risks
Proficient knowledge of corporate and debt structuring, with a particular understanding of bank loan documentation
Good understanding of risk profiles of all credit products
Advanced credit analysis and corporate financial modeling
Risk assessment and quantitative analysis experience
Ability to build and maintain relationships and communication skills, both written and verbally
Ability to work autonomously, as well make meaningful contributions as part of a team
Project management skills, with a focus on Information System implementation

Job Responsibility

Lead comprehensive credit assessments, valuations, and rating assignments for complex or large exposures
Independently prepare financial models and company valuations using most appropriate methods (DCF, SOTP, Project finance, comparable company analysis, precedent transactions, etc.)
Assess liquidity, debt capacity and other areas of financial and operating performance to evaluate areas of weakness and potential for turnaround, which is measured by setting and monitoring appropriate classification triggers
Model companies' financial position to assess appropriate debt structure and accurate debt value using the most appropriate valuation methodology
Oversee and review credit papers, ensuring analytical rigor and compliance with policy standards
Monitor portfolio performance and conduct early warning analyses
Guide stress testing, sector review initiatives, and internal risk assessments
Participate in or lead credit review committees and provide insights on deal structuring and documentation
Mentor and review work of analysts across levels to maintain output quality and consistency
Ensure adherence to credit governance, internal control, and audit standards

What we offer

Access to telehealth options, health advocates, confidential counseling
Expanded Paid Parental Leave Policy
Access to an array of learning and development resources
Generous paid time off packages
Resources and tools to volunteer in the communities in which they live and work

Fulltime

Sr. Credit Analyst/Underwriter

The Sr. Credit Analyst in Commercial and Industrial (C& I) Lending is responsibl...

Location

United States , Needham

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

5+ years of experience in C& I Lending
Background in C& I and CRE is ideal but definitely larger C& I deals is a MUST
Formally Credit trained preferred
Deal size $500,000 - 35 million (ideally $1-2M+) the larger the better
Loan Vantage is a plus

Job Responsibility

Collect and evaluate financial statements, borrowing base certificates, and covenant compliance reports from clients. Perform annual reviews and financial performance analyses.
Underwrite new loan requests and modifications for existing relationships, including financial statement spreading, cash flow assessments, collateral evaluation, and guarantor support.
Assign risk ratings, monitor covenant compliance, and recommend credit facilities that align with established policies.
Partner with Senior Credit Analysts, Account Officers, and other team members to meet credit needs. Participate in client meetings and internal discussions, providing data-driven recommendations.
Ensure adherence to regulatory requirements, bank credit policies, and internal guidelines.

What we offer

medical
vision
dental
life and disability insurance
401(k) plan

Retail Credit Policy - Vice President

The Credit Risk Portfolio Manager is a management-level position responsible for...

Location

India , Chennai

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

8-12 years of progressive experience in retail credit risk management, consumer lending, or a related financial discipline, preferably within a large financial institution focusing on credit cards and personal loans
Bachelor's degree in Finance, Accounting, Economics, Computer Science, or a related field
Advanced proficiency with analytical and data manipulation tools (e.g., SAS, SQL, R, SPSS) for large consumer datasets and behavioral analysis
Demonstrated experience with econometric and statistical modeling or application risk scoring specifically for retail credit products (e.g., credit card risk models, behavioral scoring, fraud detection models in consumer lending)
Proven ability to work with large datasets, understanding probabilities/distributions, and building decision trees and regression models relevant to consumer credit risk
Thorough knowledge of the retail credit lifecycle, including origination, underwriting, account management, collections, and its interdependencies
Excellent time management, organizational, analytical, and strong quantitative skills
Superior written and verbal communication skills, with the ability to present complex information clearly and concisely to diverse audiences, including senior management and regulatory bodies
Proficiency in Microsoft Office Suite, particularly Excel and PowerPoint

Job Responsibility

Strategic Leadership & Policy Development: Effectively leads and oversees multiple policy change implementation projects specific to retail credit products, providing end-to-end support within the Risk Management Organization
Establishes and refines operating policies and procedures related to credit approval and verification, credit card fraud prevention, delinquency and loss management, and overall consumer lending strategies
Team and Resource Management: Conducts managerial responsibilities including coaching, mentoring, and escalation as needed within the retail credit risk team
Ensures continuous process improvement and efficiency initiatives are identified and implemented to support business unit goals in consumer lending
Credit Risk Oversight & Analysis: Drives the assessment of Citi's credit risk management practices and leads the identification and mitigation of credit risk across unsecured retail portfolios (e.g., credit cards)
Analyzes complex credit risks using advanced reports, scorecards, risk systems, and expert judgment, with a particular focus on behavioral scoring models, application fraud detection, and collections strategies relevant to retail products
Oversees post-implementation validation for Credit Implementations and develops robust test plans to ensure business policy changes are effectively validated within the retail lending context
Portfolio Performance & Reporting: Conducts periodic and ad-hoc analyses on retail credit portfolio performance for Risk Governance Assessments
Business Growth & Risk Strategy: Identifies business opportunities, develops sophisticated credit tests and risk strategies, balancing risk and return for retail products
Collaborates with cross-functional teams to ensure flawless execution of policy tests and strategies across the consumer lending lifecycle

What we offer

Learn About Global Benefits (see Global Benefits section mentioned but not detailed)

Fulltime

Senior Loan Officer

We are in search of a dynamic Senior Loan Officer to drive the growth of its mis...

Location

United States , Boston

Salary:

Not provided

Robert Half

Expiration Date

Until further notice

Requirements

Minimum 6 years of progressive experience in small business, commercial, or CDFI lending
Strong underwriting and credit analysis skills, including cash flow analysis, forecasting, and risk assessment
Experience working with underbanked, low-income, and underserved entrepreneurs strongly preferred
Experience providing technical assistance or financial coaching to small business owners
Highly organized with the ability to manage multiple priorities and deadlines
Proficiency with CRM systems, loan management systems, and standard productivity tools
Proven ability to build trust-based relationships with clients and partners
Strong written and verbal communication and presentation skills
Ability to work independently while contributing to team and organizational goals
Willingness to work occasional evenings or weekends for community outreach

Job Responsibility

Drive the growth of its mission-focused small business lending program in Boston, with an emphasis on supporting underserved entrepreneurs
Originating and managing a high-quality loan pipeline
Assessing creditworthiness
Ensuring equitable lending decisions
Expanding community partnerships
Delivering technical assistance to borrowers
Supervising Lending Officers to foster continuous improvement across the team

What we offer

Medical, vision, dental, and life and disability insurance
Eligible to enroll in our company 401(k) plan

Select Country

Senior Credit / Lending Officer

Job Description

Job Responsibility

Requirements

Nice to have

Looking for more opportunities?