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Credit Officer
Banco Santander
Dallas, TX, United States
Job Details - this job has expired, please see similar jobs below
Description
Santander’s Commercial Banking Division is an active provider of capital, treasury management and risk management solutions to thousands of small and mid-sized companies in the northeast and across the country. We also have expertise and provide service to specific industry sectors including real estate, asset based lending, energy, education, health care and government.
Our clients rely on the strength of Santander’s balance sheet and the degree to which our relationship managers understand their businesses in order to develop the most relevant and compelling solutions. In addition, Santander’s significant international presence in regions around the world uniquely positions us to help companies grow their business, both near and far.
Summary
The Credit Officer will be responsible for evaluating and making decisions on renewals, modifications and new deals ensuring quality and soundness of credit transactions.
Specific Duties & Responsibilities
• Manages approval and commitment process (e.g. Committees) ensuring compliance with Credit Policy and accuracy of documents and supporting exhibits
• Works with Regional Managers and clients negotiating and communicating final deal structure and terms
• Continuously monitors and proactively manages risk/exposure and compliance with Credit Policy for assigned portfolio
• Visits clients and reviews client performance and financials
• Provides guidance and mentoring to Credit Analysts and Credit Officers
• Responsible for evaluating financial performance of borrowers, and based on a variety of factors, determine an appropriate risk rating
• Authenticates all post loan closing activities, including conditions precedent to closing, are accurate and complete
• Identifies early client risk/exposure, early detection of volatile industries and markets for assigned portfolio within designated region
• Responsible for the quality, integrity and soundness of all financial analysis, underwriting and credit approval processes for an assigned portfolio
• Identifies cross-sell opportunities
• Negotiates terms and conditions of Credit with Relationship Managers
• Responsible for formal credit review processes
At Santander, we value and respect differences in our workforce and strive to increase the diversity of our teams. We actively encourage everyone to apply.
Qualifications
• Bachelors Degree in Business, Accounting, Finance, Economics or equivalent experience
• 7+ years of experience as a Credit Officer, Loan Workout /Review Officer, or other related position with specific experience in the Commercial Auto Dealer line of business
• Ability to interact with all levels of management, work within a team environment and work independently
• Ability to work with large databases and datasets for extraction and conversion into useful business information
• Excellent technical and analytical skills
• Excellent written/verbal communication and interpersonal skills
• Expert knowledge of Microsoft Office, particularly Excel
• Strong negotiation and presentation skills
• Strong organizational and administrative skills
• Ability to multi-task
• Thorough knowledge of financial statements, accounting principles, Credit Policy, applicable laws and industry data sources.