Credit Product Specialist

About This Role

Serve as a Credit Product Specialist specializing in Public Finance, structuring and advising clients on credit and credit-related transactions, managing a portfolio of borrowers, and driving the internal credit approval process. This role is based in Dallas or Houston, TX, and requires public finance experience.

Responsibilities

• Serve as a market level credit product expert
• Structure and advise clients on various types of credit and credit-related transactions to meet client needs while staying within the Bank's risk profile
• Responsible for the entire execution of credit related products and all other credit products including but not limited to ACH, FX, EF and Derivatives
• Manage the diligence/approval process and negotiate all legal documents and closing
• Partner effectively with the Relationship Banking team to help identify and drive revenue through credit products
• Directly responsible for managing a portfolio of borrowers and all portfolio management activities, including direct and on-going communication with the clients
• Collaborate with RMs and other product partners (i.e. TM, FX, DCM) to assess credit needs generate ideas and deliver integrated solutions
• Assess industry dynamics to advise on the best solutions
• Participate in client and prospect calls in conjunction with the RMs
• Responsible for structuring credit transactions within the Banks credit risk appetite
• Lead internal white boarding and diligence sessions to assess viable solutions
• Drive the internal credit approval process, loan documentation and closing
• Responsible for the indirect management of a team of employees to handle all aspects of the credit process
• Play a key role in training, mentoring and developing junior talent

Requirements

• Public Finance experience

Qualifications

• Bachelors
• 8+ years of industry relevant experience

Nice to Have

• Analytical Thinking
• Commercial Real Estate
• Competitive Advantages
• Consumer Lending
• Credit Risk Management
• Data Analytics
• Decision Making
• Financial Operations
• Portfolio Risk
• Risk Appetite

Benefits