Job Description

Target Client

Large SMEs, Middle-market Regional & Global Corporate-sized Companies, Financial Institutions and Public Sector.

Target Sectors

Within Agriculture (i.e. Cocoa, NTEs and Agribusiness, etc), Manufacturing (i.e. Food & Beverages, Pharmaceuticals, Rubber & Plastics Products, Construction, Hardware & Building materials, Oil & Gas, Power, Mining, Metal & Steel, and Services (i.e. Wholesale, Retail, Transport, storage, FMCG, Information and Communication, Financial, Education, etc).

Responsibilities

• Reviews loan requests, historical financial information, cash flow projections and third party reporting (e.g., Quality of Earnings Reports, Environmental reports, cash flow projections, industry analysis, etc); evaluates and determines credit structure and terms; fully underwrites Credit Approval Memos (CAM) consistent with Bank format, policies and procedures; determines sources and uses of funds; analyzes industry data, competitive factors, historical performance, projected results, risks, and mitigating factors. Ensures CAM 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.
• Integrates financial models using a Management Case provided by the borrower and performs sensitivity analysis to arrive at an Expected Case and Downside Case.
• Performs enterprise valuation using discounted cash flow analysis and the market multiple approach.
• Underwrites multiple products and structures, including cash flow, asset-backed, asset-based, real estate, and working capital lines.
• Evaluates a range of targets in the Food & Beverage value chain, including value-added processors, branded CPG, co-manufacturers, and distributors.
• Attends client meetings at Relationship Manager, Team Manager, or Credit Manager's request to facilitate delivery of credit product and/or assist in problem resolution. Contacts borrowers directly, for additional information and details related to loan request or clarification of financial materials and resources.
• Provides balanced and appropriate credit guidance to Relationship Manager, Team Manager, and Manager and collaborates in determining appropriate credit strategy.
• Provides credit alternatives and creative ways to structure credits ensuring that transactions are within profitability and portfolio risk standards. Authors credit approval memorandum.
• Provides input to the Relationship Manager, Team Manager and Credit Manager when loan pricing does not appear to reflect inherent risk in subject transaction. Pricing may be either too high or to low. Restructures loans and/or lines of credit as required. Assumes accountability for minimizing Bank losses.
• Performs quarterly Problem Loan reporting for Criticized / Classified credits including: financial reviews of client's financial condition including monitoring covenants and conditions. Takes a proactive approach toward development and implementation of Action Plans. Escalates potential credit issues to Relationship Manager, Team Manager, and/or Credit Manager.
• Has primary role in early problem Credit identification and the timely and accurate changes in loan grades. Monitors and takes initiative to respond to past dues based in partnership with Relationship Manager.
• Maintains up-to-date knowledge on all Bank lending policies and regulations. Confers with the Credit Manager and appropriate Bank personnel regarding new/existing lending requirements and regulations.
• May coordinate Credit documentation including work with Credit Management, Legal, Recoveries, or other outside counsel to obtain the correct, accurate documents to ensure all Credits exposures are documented to fully protect the Bank’s interests in the credit relationship. Reviews collateral periodically to minimize credit exposure.
• Participate in the training and development of team members on financial statement analysis, business writing, cash flow modeling and enterprise valuation.

Must-Have

• Bachelor's Degree (minimum).
• Certification in related fields from accredited institutions.
• Minimum 5 years of experience in underwriting Credits.
• Minimum 5 years of experience in a banking or financial services environment required.

Skills and Knowledge

• First Degree in Business Administration/Accounting/ Economics/Finance preferred or a related field.
• MBA preferred.
• Good organizational skills.
• Ability to work well independently and in teams and interact effectively with all levels of Bank personnel and outside contacts.
• Experienced in using Loan Origination systems and tools for Credit write-ups and assessment.
• Experienced in Financial Modelling using tools like Excel or related.
• Frequent use and application of leveraged lending credit policies and procedures.
• Excellent credit analysis and accounting and writing skills.
• Strong ability to communicate skillfully and effectively in both verbal/written forms.