Special Asset Group Credit Officer II

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• →Develops, negotiates, and implements comprehensive resolution strategies
• →Manages and oversees adversarial collection actions (e.g. litigation, foreclosures, bankruptcies, and receiverships)
• →Ensures compliance with bank policies and regulatory standards
• →Oversees the asset quality of the portfolio through effective risk management practices
• →Conducts periodic portfolio reviews
• →Establishes and maintains collaborative partnerships with internal and external stakeholders

• →Manage a portfolio of highly complex criticized, classified, and distressed commercial credit relationships through all stages of the resolution process

• →Develop and execute credit resolution strategies to maximize recoveries, minimize loss severity, and protect the Bank’s interests through restructurings, repayment plans, settlements, discounted payoffs, collateral dispositions, note sales, and legal recovery actions

• →Lead the assessment and management of complex distressed relationships, evaluating borrower performance, collateral, guarantor strength, industry conditions, and legal considerations; negotiate with borrowers and key stakeholders and present recommendations and portfolio updates to senior leadership and risk partners

• →Drive effective portfolio management by monitoring performance, recovery trends, and risk migration; supporting forecasting, reserves, and criticized asset reporting; and mentoring associates while serving as a resource on complex credit situations and SAG process improvements

• 7+ years of experience in corporate workout, credit restructuring, or related risk management experience

• Extensive knowledge of commercial lending, credit analysis, commercial loan documentation, collateral analysis, and commercial credit structures

• Proven negotiation skills and experience leading borrower, sponsor, legal, and lender discussions

• Strong financial analysis skills, including cash flow analysis, collateral evaluation, repayment capacity assessment, and enterprise valuation concepts

• Ability to exercise sound credit judgment and make decisions in complex, time-sensitive situations

• Proven ability to work independently while influencing outcomes across multiple internal and external stakeholders

• Strong communication skills; ability to communicate vertically, horizontally, and externally

• Industry knowledge across multiple sectors

• Knowledge of Business Law, a legal aptitude, strong knowledge of contracts, and knowledge of bankruptcy law

• Ability to work independently on complex transactions while exercising sound credit judgment

• Knowledge of ancillary banking products such as treasury services, derivatives, commercial cards, and deposits

• Strong knowledge of Commercial Loan Documentation

• Knowledge of Commercial Credit Structure

• Adaptability
• Collection Management
• Critical Thinking
• Problem Solving
• Risk Management
• Credit and Risk Assessment
• Decision Making
• Financial Analysis
• Legal Structures and Legal Forms
• Underwriting
• Client Management
• Loan Structuring
• Negotiation
• Oral Communications
• Written Communications