Credit Officer Loan and Lease - Vice President

Underwrite lease and loan transactions. Responsible to managing competing priorities and constantly maintaining excellent communication with all key stakeholders throughout the underwriting process. Implementation of the credit policy and flow of incoming lease requests. Additionally, this role will also provide appropriate credit risk analysis for ongoing portfolio management related items.

Strategy-Accountable for all first line credit risk management strategies including origination, modification, acquisition, account management (credit underwriting, credit monitoring, credit approval authorization, and exception management), assist collections team as needed, and support portfolio management efforts across all lending products. Establish and maintain a strong credit culture that balances growth and asset quality in support of the SMFL's strategic plan. Identify portfolio trends and other economic factors and recommend appropriate proactive measures for effective first line strategies and an ongoing early warning system.

Leadership-Demonstrate leadership and credit skills while maintaining the SMFL credit culture. Would be responsible to check accuracy of work of the underwriting analyst and compliance to UW guidelines and standards and RACS, meet all internal reporting requirements, and ensure appropriate full scope of information is available for decision-making at all levels. Develop and maintain exceptional knowledge of financial industry, economy, market conditions, borrowers, and portfolios. Support the portfolio analysis trends and reporting and analytics.

Collaboration- Collaborate with all other cross functional groups as needed to ensure that credit writeup are approved in a timely manner. The position will also be responsible for updating all applicable systems of record and maintaining accurate and organized credit files. Support new sales initiatives from a risk perspective.

Risk Management-Review new and existing client relationships for credit quality. Develop, direct, and implement systems, scores, models, risk controls, and policies and procedures in support of business objectives in line with risk appetite and return metrics. Follow policies and procedures to ensure accretive returns and that results remain within the SMFL's risk appetite metrics. Comply with second line Credit Risk Management RMDAD oversight and examinations from 3rd Line of defense - IAD and CRVD and maintain strong relationships, support examinations and adhere to CUSO Credit Risk Management Framework and Governance Control and other AD policies.

• Undergraduate degree in finance or a related field or an equivalent combination of training and experience.
• Five or more years of relevant equipment finance underwriting experience

Preferred Qualifications

• Strong working knowledge and understanding of traditional financial analysis.
• Strong organizational, time management and prioritization skills to meet deadlines.
• Excellent verbal, written, and interpersonal communication skills with strong presentation skills.
• Team player able to work effectively in a team fostered, multi-tasking environment.
• Excellent time management skills and ability to prioritize.
• Ability to read and understand financial statements and tax returns.
• Proficient in Microsoft Office suite, e.g. Excel, PowerPoint, Word, Outlook and Power BI Tool
• Have past experience working with Salesforce and Aspire systems

D&I Commitment

Responsible for fostering a culture of diversity and inclusion, holding leaders accountable for creating an inclusive environment through awareness and practice of equity in recruiting, developing, and promoting diverse talent.