Credit Products Specialist II

Overview

This role involves structuring and underwriting complex commercial credit transactions while managing an assigned loan portfolio. Responsibilities include independently analyzing credit risk, negotiating loan terms, and providing strategic recommendations to relationship and credit teams. The position also monitors portfolio performance, identifies emerging risks, and supports the professional development of junior team members.

Responsibilities

• Credit Structuring & Underwriting: Lead underwriting efforts for complex loan requests by assessing creditworthiness and recommending risk-mitigating structures.
• Portfolio & Risk Management: Continuously monitor the assigned portfolio to identify credit risks, trends, and financial performance concerns.
• Client & Stakeholder Engagement: Partner with relationship managers in negotiations and client discussions to align client needs with risk appetite.
• Credit Agreement Review: Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
• Mentorship & Training: Guide junior credit professionals, improving team capabilities and supporting a strong credit culture; identify and raise to leadership improvement areas in credit processes and procedures.
• Use independent judgment and discretion to make decisions regarding the assigned portfolio.
• Analyze and resolve problems related to the assigned portfolio.
• Perform special projects and additional duties as required.

Requirements

• Education: Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience.
• Experience: 4+ years in commercial credit analysis, underwriting, or portfolio management.
• Advanced financial modeling and risk assessment expertise.
• Strong negotiation skills and the ability to collaborate with clients.
• Experience structuring complex loan transactions.
• Ability to analyze macroeconomic trends and their impact on credit risk.
• Physical demands (ADA): No unusual physical exertion is involved.

Preferred Qualifications

• Strong command of financial modeling, industry-specific credit risks, and the structuring of commercial credit transactions.
• Experience proactively identifying potential credit risks and recommending risk mitigation strategies.
• Familiarity with credit agreements, loan documentation, and regulatory requirements.
• Proficiency in financial analysis tools, CRM systems, and underwriting software.

Compensation & Benefits

• Pay range (base): $100,117.50 - $157,643.00
• Benefits may include medical, dental, vision, life, and disability insurance, and a comprehensive leave program.
• Actual starting base pay is determined based on location, experience, and other non-discriminatory factors permitted by law. Total compensation may include variable incentives, bonuses, commissions, or other awards as outlined in the offer of employment.

Location

Work From Home TX, TX 73301

Compliance

• Consistently adhere to regulatory and compliance policies and standards linked to the job as listed, including completing required compliance trainings. Accountable to maintain compliance with applicable federal, state, and local laws and regulations.