Sr. Lead Credit Product Officer - Agriculture, Equipment Finance

Company: CTI Education Group
Location: Denver
Posted on: February 22, 2021

Job Description:

Job Description - Sr. Lead Credit Product Officer - Agriculture, Equipment Finance (053039) At Bank of the West, our people are having a positive impact on the world. We're investing where we feel we can make the most impact, like advancing diversity and women entrepreneurship programs, financing for more small businesses, and promoting programs for sustainable energy. From our locations across the U.S., Bank of the West is taking action to help protect the planet, improve people's lives, and strengthen communities. We are part of BNP Paribas, a global leader supporting the UN Sustainable Development Goals (SDGs). Yes, we're a bank, but as the bank for a changing world, we are continually seeking to improve the ways we help our customers, while contributing to more sustainable and equitable growth.

Job Description Summary
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Senior Agriculture Industry Underwriter- Analyzes, underwrites and recommends decisions on credit requests generated by sales managers from commercial agriculture entities. This is a hands-on, agriculture entity analysis position involving financial spreading, extensive financial analysis and comprehensive written transaction summaries. Responsibilities include monitoring and tracking the portfolio with the goal of minimizing credit losses and maintaining compliance with credit policy. The position also directly supports the bank's relationships with agricultural equipment manufacturers.This is the most senior level of Credit Products Officer.The position also supports leadership and training activities in support of the Credit Manager.

Essential Job Functions

• Assists leadership in a variety of activities such as overseeing the credit and underwriting activities of other officers to ensure that current and potential customers are properly analyzed to minimize credit losses. Shares experience and assists in training less-experienced credit staff.
• Supports unit's growth and profitability through underwriting credit requests and proactively monitoring credit portfolio.
• Provides direct assistance to the Credit Manager in managing the credit needs of the portfolio, in assuring credit analysis is complete and accurate, and in monitoring the appropriateness of credit products and services.
• Develops innovative credit solutions to meet customer/prospect credit needs.
• Ensures development and preparation of effective proposals for presentation to existing and potential customers.
• Participates in the preparation of credit requests and recommends credit facilities Other Job Duties
  • Interacts with Credit Administration, Appraisals, Legal, and other related internal partners regarding issues of credit quality, appropriate compensation for risk, as well as new business and related trends.
  • Views credit quality as a personal obligation; exhibits independent judgment; ensures balanced loan presentations; responsible for ongoing account monitoring; proactive in problem detection/resolution; maintains balance between growth and credit quality.
  • Acts as a specialist for the Bank in the agriculture industry. Keeps current on all economic trends and other issues impacting industry
  • Performs other duties as assigned Required Experience
    
    • Requires mastery level knowledge of job area typically obtained through advanced education combined with experience.
      
    • May have deep knowledge of project management.
      
    • Requires 10 years minimum prior relevant experience.
      Education
      
      • Bachelor's Degree Finance
        Skills
        
        • General Administrative/Technical Skills Excellent knowledge of commercial lending policies, procedures, practices and documentation.
          
        • Excellent knowledge and ability to analyze financial statements, tax returns and cash flow.
          
        • Excellent working knowledge of Microsoft Office (Word, Outlook, Excel). Excellent working knowledge of other software used for analysis such as MFA and Tax Analysis.
          
        • Excellent written and verbal communication.
          
        • Ability to perform independently with a minimum of supervision.
          
        • Good organizational skills.
          
        • National Banking Division Generally targets companies with sales of $25 million or higher.
          
        • Agribusiness Banking Division Real Estate Industries Division Equipment Finance Division Asset Based Lending Division This is the ABL Product Manager entry level role and provides individuals the opportunity to grow the skill set required for a career in ABL.
          
        • This ABL Credit Analyst position is assumed to be part of the career path for future Product Manager or Underwriting position.
          
        • Some knowledge of collateral exam and liquidation process.
          
        • Strong knowledge and ability to analyze financial statements, tax returns and collateral from an ABL perspective.
          
        • Strong working knowledge of other software used for analysis such as MFA.
          Equal Employment Opportunity Policy
          
          Bank of the West is an Equal Opportunity employer and proud to provide equal employment opportunity to all job seekers without regard to any status protected by applicable law. Bank of the West is also an Affirmative Action employer - Minority / Female / Disabled / Veteran.
          
          Bank of the West will consider for employment qualified applicants with criminal histories pursuant to the San Francisco Fair Chance Ordinance subject to the requirements of all state and federal laws and regulations. Primary Location Other Locations

Keywords: CTI Education Group, Denver , Sr. Lead Credit Product Officer - Agriculture, Equipment Finance, Accounting, Auditing , Denver, Colorado