Job Title

Job DescriptionThis incumbent will be responsible for conducting credit risk evaluations and making recommendations in conformance with Bank's risk appetite and policies, implementing credit process controls to monitor and maintain the asset quality of loan portfolio, and preparing portfolio reporting and other reports. In addition, she will update Credit Risk Policies and Procedures to reflect changes in internal and regulatory guidelines, as well as conduct relevant industry and product research for presentation to management. The incumbent will also mentor and provide guidance to junior team members.Job DutiesInclude but are not limited to:Credit Risk ReviewEvaluate and analyze borrowers creditworthiness on assigned proposals and prepare in depth analysisAnalyze all aspects related to credit requests submitted by business units, including but not limited to facility structure, historical and projected financial performance, management, industry, market conditions , and third party reports in timely fashionIndependently challenge and critique business units' credit proposals and document key points accordinglyArticulate credit risk view with respect to the bankability of Front Office requests and their conformity with the Bank's policies and procedures.Provide commentsrecommendations on key terms and conditions, approval conditions, policy exceptions, internal risk rating and post-lending requirementsAssist business units' account officers with loan structuring, loan exposure management, and on-site due-diligence, where appropriate.Portfolio ManagementIndependently conduct annual andor quarterly reviews of existing credits as required by Bank policyMonitor industry trends and assess impact of andor client specific negative news from a portfolio perspectiveConduct exception and pipeline management.Knowledge and LearningCultivate relevant industry knowledge, particularly for assigned loan portfolio.Develop expertise in banking products and regulatory requirements.Demonstrate initiative to acquire necessary knowledge (industry, products, market conditions, policies and procedures) to perform job function.Demonstrate progression in learning and application of concepts learned.Job RequirementsBachelor's degree is required, preferably in FinanceEconomicsAccounting major; MBA preferredMinimum 3 years (at the AVP level) of Credit risk management and financial statement analysis experience; 7 years (at the VP level) of Credit risk management and financial statement analysis experienceDemonstrate broad knowledge of the commodities sector and sub sectors, including energy, agriculture, and metals and mining, with experience covering financial institutions a plus.Demonstrate sound knowledge of credit markets and products including, but not limited to, corporate lending, trade and commodities finance, structured products, FX and derivativeCFACPAFRM is preferredThe salary ranges for the AVP position is $65,000-$150,000, and for the VP position is $110,000-$230,000. Actual salary is commensurate with candidate's relevant years of experience, skillset, education and other qualifications.