Education Required: Bachelors Degree
Department: Presidential Financial Corp.
Experience Required: 7 - 10 Years
Job ID: 10916
Division: Financial Services
Hours of Work: Standard hours
Employment Type: Full-Time Regular
Primary contact with customer; ability to gain customer loyalty and expand existing accounts, both depository and lending products (travel required)
Proactive negotiation and development of credit strategies on renewals, extensions, modifications, waivers, and new credit requests
Provide written assessments, grade reviews, and watch list reports on assigned loans.
Obtain periodic financials, monitor trends, and continually verify the quality of assigned loans. Alert management on deteriorating situations in a timely manner.
Effectively monitoring collateral performance and trend information; developing strategies to address deteriorating trends.
Continually monitor the compliance with all aspects of Loan Agreements and promptly identify instances of default.
Responsible for accurate and timely risk grading accuracy of assigned loans.
Prepare and present transactions to approval authorities
Ability to formulate strategies and implement ongoing as well as corrective measures on distressed loans
Interact with personnel and representatives from credit, approval, loan administration, appraisal, treasury management, work-out management, upper management, loan review, bank regulators, government agencies and bank attorneys
Responsible for assuring accuracy in loan documentation.
Have direct interaction within the closing process of new deals destined to be part of their portfolio
Bachelor's degree and 7 years’ experience in commercial banking preferred.
Lending and Credit Underwriting experience a significant plus.
Proficient knowledge of understanding financial analysis trends and loan structure
Demonstrate ability to read, interpret and negotiate complex attorney prepared loan and collateral documentation
Proven history of excellent communication and customer relations
Ability to respond appropriately to customer inquiries in a fast paced environment
Ability to multi-task under intense deadlines
Strong written and verbal skills
Work autonomously/independently and make conclusions in a timely manner
Problem identification and resolution
Ability to work with senior management both internal and external
Computer proficient including Microsoft office products
Ability to generate creative solutions to complex situations
Develop loan structures and financial products to meet various borrowers needs in their specific industry sub-set
Ability to deal with problem loan Identification and workout strategy
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class. Stay Connected - Join our Talent Community!
We are an Equal Opportunity Employer and do not discriminate against any employee or applicant for employment because of race, color, sex, age, national origin, religion, sexual orientation, gender identity, status as a veteran, and basis of disability or any other federal, state or local protected class.
Stay Connected - Join our Talent Community!