Senior Credit Products Specialist – Equipment Finance

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Stellenbeschreibung:

Responsibilities

Lead the structuring, analysis, and approval of highly complex credit transactions
Proactively monitor portfolio risk, identifying industry trends and economic factors impacting credit quality
Serve as a strategic partner to sales and senior leadership, offering expertise in credit negotiations and deal execution
Work directly with clients, legal counsel, and internal teams to structure and negotiate credit agreements
Mentor junior credit professionals, providing training and leadership in credit risk best practices
Proactively identify and raise to senior leadership improvement areas in credit processes and procedures
Analyze and resolve problems pertaining to the assigned portfolio
Perform special projects, and additional duties and responsibilities as required

Requirements

Education level required: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 12+ years of equivalent experience
Minimum experience required: 8+ Years in commercial credit analysis/structuring, underwriting, portfolio management and risk analysis
8+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
Deep expertise in structuring and negotiating complex credit agreements.
Strong leadership skills with the ability to influence credit strategy and policy.
In-depth understanding of macroeconomic factors and their impact on credit risk.
Proven ability to manage large portfolios and advise senior executives.
Exceptional communication and stakeholder management skills.
As relevant for the supported line of business, well versed in legal documentation (e.g., Credit Agreements) and positioned to both develop more junior associates on the topic, interact with internal and external legal counsel, and negotiate directly with clients.

Core Competencies

Demonstrates deep expertise in structuring and negotiating complex credit agreements while effectively managing large portfolios and advising senior executives. Possesses strong leadership and communication skills to influence credit strategy and mentor junior professionals.