Description
The Credit Executive (CE) is a client-facing role responsible for developing new custom credit relationships with strategic wealth clients, driving funded loan balance and revenue growth in a responsible and profitable manner, managing a portfolio of existing credit relationships, and educating Advisors on our credit solutions and risk appetite.
Within their targeted geographic territory, the CE leads the credit delivery process from beginning to end by partnering with Advisors, Underwriting, Risk, Product Subject Matter Experts, Portfolio Management, and Servicing & Fulfillment.
The CE brings thought leadership and credit expertise to structuring highly customized credit solutions to meet the unique needs of our ultra-high-net-worth clients.
Responsibilities :
- Leads the growth of funded loans and revenue, while mitigating risks and adhering to regulatory requirements
- Develops, deepens, and sustains relationships with market leadership, Advisors, and clients, while building credibility
- Creates a client-centric culture by applying in-depth knowledge of clients, timely renewals, and issue resolution, and providing competitive deal structuring while serving as the key point of contact for credit clients
- Educates key partners and Advisors on platform capabilities and risk appetite to increase engagement and penetration
- Partners and collaborates with Underwriting, Risk, Operations, and Portfolio Management to deliver a seamless client experience
- Maintains asset quality within the defined Global Wealth and Investment Management risk appetite limits
- Proactive identification of strategic lending opportunities
- Timely deal execution in navigating loan process
- Underwriting excellence with holistic knowledge of the client relationship
- Understanding of Private Bank credit product solutions and process
- Robust portfolio management practices
- Advancing the use of new technologies, tools and processes to foster a market-leading and operationally efficient platform to improve the client and employee experience
- Effective communicator and ability to build collaborative partnerships
- Effective coach and mentor
Skills :
- Business Development
- Loan Structuring
- Negotiation
- Prospecting
- Relationship Building
- Active Listening
- Business Acumen
- Client Management
- Customer and Client Focus
- Profitability Analysis
- Influence
- Pipeline Management
- Portfolio Management
- Problem Solving
- Sales Strategy
Required Qualifications :
- Ability to originate sound new business through PCA teams
- Experience in providing credit direction, expertise and approval for strategically important clients
- Understanding of market differences within region and able to coordinate best practices in terms of delivering thoughtful credit solutions
- Critical link to centralized underwriting and risk / approval process
- Accountable for asset quality and financial plan for the markets covered
Desired Qualifications :
Strong commercial credit training preferred
Shift :
1st shift (United States of America)
Hours Per Week :
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