Jobs
>
Charlotte

    Credit Officer I - Charlotte, United States - City National Bank

    City National Bank
    City National Bank Charlotte, United States

    4 weeks ago

    Default job background
    Description

    **CREDIT OFFICER I - PBB**

    **WHAT IS THE OPPORTUNITY?**

    Participates in the loan management process by providing credit and loan underwriting expertise to a team of Personal & Business Banking Relationship Managers. Is client facing and manages all aspects of credit relationships for clients. Provides credit product expertise in an advisory capacity and ensures all due diligence and background evaluation is complete and thorough before credit approval is granted. Validates the credit analysis prepared by the Credit Analyst's and provides opinions and recommendations regarding proposed credit and potential risks. Ensures all due diligence and background evaluation is complete and thorough before Credit Risk Recommendation ("CRR") is submitted.Solutions are thorough, and require analysis, interpretation, and evaluation of financial statements, cash flow analysis, third party reporting, familiarity with various industries, collateral issues and values,

    **What you will do**

    + Responds to questions or inquiries from internal and external clients concerning credit policies, procedures, structuring, etc. before it is elevated, if necessary, to the Credit Manager.

    + Assists in loan portfolio reviews and audits along with coordination and communication with Credit Operations Risk Manager, Credit Team Leads, Credit Managers and Division Credit Manager.

    + Assists the Credit Manager in departmental reporting of past dues, portfolio reviews, etc.

    + Evaluates and examines credit requests in order to assess credit worthiness including loan quality, credit risk classification, loan structure, collateral analysis, pricing and adherence to Bank policies.

    + Attends client meetings at Credit Managers request to facilitate delivery of the credit product and/or or assist in problem resolution.

    + Manages the financial analysis and preparation of the CRR. This includes ensuring that the CRR contains a well-supported recommendation or decision; the risk rating is correct and supported; and the data and analytics used to support the decision are accurate and calculated correctly.

    + Collaborates with team members by providing credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards. Restructures loans and/or lines of credit as required. Assumes accountability for minimizing Bank losses.

    + Corresponds with Special Assets department including reconciliation of criticized and classified SBA loan portfolio.

    + Assists in ensuring SBA loan portfolio remains compliant with SBA Standard Operation Procedures requirements.

    + Assists in early problem loan identification and the timely and accurate changes in loan grades. Monitors and takes initiative to respond to past dues based on information provided by the Relationship Manager.

    + Assists with quarterly, semi-annual, and annual financial reviews of clients financial condition including monitoring covenants and conditions.

    + Assists with portfolio reviews and responds to questions raised in internal and external audits and examinations.

    + Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the Manager and appropriate Bank personnel regarding new/existing lending requirements and regulations.

    + Acts in accordance with Bank credit culture and strategies.

    + Responsible and accountable for appropriate quality controls related to the financial products the bank provides, the services the bank delivers, the processes employed and the incentives with which colleagues are awarded.

    + All City National products, financial solutions and services are to be provided ethically and with integrity in a manner that is consistent with the client-first culture and values embodied in City Nationals PRIDE statement.

    **Must-Have***

    + Bachelor's Degree or equivalent

    + Minimum 3 years experience in underwriting small to medium sized and moderately-complex commercial credit required.

    + Minimum 3 years of experience in a banking or financial services environment required.

    + Experience in underwriting Personal and Business Banking commercial credit loans, which includes analyzing, interpreting, and evaluating financial statements, cash flow analysis, familiarity with various industries, collateral issues and values, loan structuring and guarantor personal financial statements and tax returns.

    **Skills and Knowledge**

    **Compensation**

    Starting base salary: $ $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.

    ***To be considered for this position you must meet at least these basic qualifications**

    The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

    **Benefits and Perks**

    At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our Benefits and Perks ) .

    **INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT**

    City National Bank is an equal opportunity employer committed to diversity and inclusion. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by law.'

    **ABOUT CITY NATIONAL**

    We start with a basic premise: Business is personal. Since day one we've always gone further than the competition to help our clients, colleagues and community flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues to drive phenomenal growth today. City National is a subsidiary of Royal Bank of Canada, one of North Americas leading diversified financial services companies.

    #CA-DH

  • HomeTrust Bancshares, Inc.

    Senior Credit Officer

    2 days ago

    HomeTrust Bancshares, Inc. Charlotte, United States

    Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Make decisions for all types of commercial banking credits or advance credits exceeding their loan authority to the next loan authority Officer, Relationship Manager, ...

  • U.S. Bank

    Credit Approval Officer

    3 weeks ago

    U.S. Bank Charlotte, United States

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each ...

  • City National Bank

    Credit Officer II

    1 day ago

    City National Bank Charlotte, United States

    **CREDIT OFFICER II - PBB** · **WHAT IS THE OPPORTUNITY?** · Participates in the loan management process by providing credit and loan underwriting expertise to a team of Personal & Business Banking Relationship Managers. Is client facing and manages all aspects of credit relati ...

  • City National Bank

    Credit Officer II

    1 day ago

    City National Bank Charlotte, United States

    **CREDIT OFFICER II - PBB** · **WHAT IS THE OPPORTUNITY?** · Participates in the loan management process by providing credit and loan underwriting expertise to a team of Personal & Business Banking Relationship Managers. Is client facing and manages all aspects of credit relati ...

  • HomeTrust Bank

    Senior Credit Officer

    17 hours ago

    HomeTrust Bank Charlotte, United States

    Job Summary · The primary objective of the Senior Credit Officer (SCO) is to work closely with the assigned Market Presidents in helping to meet the bank's loan growth objectives, while simultaneously adhering to the bank's risk tolerance appetite and corporate credit culture. T ...

  • WELLS FARGO BANK

    Lead Credit Risk Officer

    1 day ago

    WELLS FARGO BANK Charlotte, United States Full time

    Job Description · At Wells Fargo, we are looking for talented people who will put our customers at the center of everything we do. We are seeking candidates who embrace diversity, equity and inclusion in a workplace where everyone feels valued and inspired. Help us build a better ...

  • Bank of America

    Sr. Credit Officer/Credit Risk Officer-Corp/Comm-Leverage Finance Credit

    2 weeks ago

    Bank of America Charlotte, United States

    Job Description · At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsible Growth is how we run our company and how we deliver for our clients, teammates, communities and shareholders every day. ...

  • WELLS FARGO BANK

    Senior Lead Credit Risk Officer

    2 weeks ago

    WELLS FARGO BANK Charlotte, United States Full time

    About this role: · Wells Fargo is seeking a Senior Lead Credit Risk Officer to join the Consumer Credit Risk organization within Corporate Risk who will oversee Unsecured Lending products. They will leverage their experience and knowledge of credit risk management, business funct ...

  • City National Bank

    Credit Officer Senior

    3 weeks ago

    City National Bank Charlotte, United States

    **CREDIT OFFICER SENIOR - Specilizing in Life Insurance Premium Finance:** **_Hybrid Schedule, Charlotte, NC., Chicago, IL., Los Angeles, CA., NYC._** · **WHAT IS THE OPPORTUNITY?** · Participates in the loan management process by providing credit and loan underwriting expertis ...

  • City National Bank

    Credit Officer Senior

    1 week ago

    City National Bank Charlotte, United States

    City National Bank · Credit Officer Senior · Charlotte , · North Carolina · Apply Now · CREDIT OFFICER SENIOR - Specilizing in Life Insurance Premium Finance: · Hybrid Schedule, Charlotte, NC., Chicago, IL., Los Angeles, CA., NYC. · WHAT IS THE OPPORTUNITY? · Participates i ...

  • U.S. Bank

    Credit Approval Officer

    3 weeks ago

    U.S. Bank Charlotte, United States

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each ...

  • City National Bank

    Credit Officer Senior

    2 weeks ago

    City National Bank Charlotte, United States

    **CREDIT OFFICER SENIOR - Specilizing in Life Insurance Premium Finance:** · **_Hybrid Schedule, Charlotte, NC., Chicago, IL., Los Angeles, CA., NYC._** · **WHAT IS THE OPPORTUNITY?** · Participates in the loan management process by providing credit and loan underwriting exper ...

  • U.S. Bank

    Credit Approval Officer

    2 weeks ago

    U.S. Bank Charlotte, United States

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each ...

  • Bank of America

    Credit Risk Officer/GCIB GMC Associate-Global Renewable Energy Credit

    2 weeks ago

    Bank of America Charlotte, United States Full time

    Description · : · Embedded across the bank's eight lines of business, theGlobal Renewable EnergyCredit team reflects the bank's initiative to fuel the global economy, build trust and credibility with communities, and represents a company that people want to work for, invest in, ...

  • Wells Fargo

    Senior Lead Credit Risk Officer

    2 weeks ago

    Wells Fargo Charlotte, United States

    About this role: · Wells Fargo is seeking a Senior Lead Credit Risk Officer for the Personal Lending CRO Loss Forecasting and Analytics group is looking for an experienced Senior Lead Credit Risk Officer to lead Loss Forecasting for Personal Lending. Qualified candidates must hav ...

  • Wells Fargo

    Senior Lead Credit Risk Officer

    2 weeks ago

    Wells Fargo Charlotte, United States

    About this role: · Wells Fargo Personal Lending CRO Loss Forecasting and Analytics group is seeking an experienced Senior Lead Credit Risk Officer to lead Risk Appetite Analytics. Qualified candidates must have excellent communication skills, high degree of initiative, strong par ...

  • City National Bank

    Credit Officer Ii

    3 days ago

    City National Bank Charlotte, United States

    Overview: · **CREDIT OFFICER II - PBB** · **WHAT IS THE OPPORTUNITY?** · Participates in the loan management process by providing credit and loan underwriting expertise to a team of Personal & Business Banking Relationship Managers. Is client facing and manages all aspects of cre ...

  • Truist

    Credit Risk Review Officer II- Commercial Bank

    3 weeks ago

    Truist Charlotte, United States Full time

    ESSENTIAL DUTIES AND RESPONSIBILITIES · Following is a summary of the essential functions for this job. Other duties may be performed, both major and minor, which are not mentioned below. Specific activities may change from time to time. · 1. Completes moderately complex to comp ...

  • Bank of America

    Sr. Credit Officer/Credit Risk Officer-Corp/Comm-Leverage Finance Credit

    6 days ago

    Bank of America Charlotte, United States

    Sr. Credit Officer/Credit Risk Officer-Corp/Comm-Leverage Finance Credit · New York, New York;Charlotte, North Carolina · Job Description: · At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. Responsibl ...

  • U.S. Bank

    Regional Credit Approval Officer

    1 week ago

    U.S. Bank Charlotte, United States

    At U.S. Bank, we're on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each ...