Credit Products Specialist I - Specialized (Franchise Finance)

About This Role

This role supports the underwriting, structuring, and management of specialized commercial credit relationships, focusing on financial analysis, risk assessment, and ensuring sound credit decision-making within Franchise Finance. It partners with sales to structure new loan transactions, monitors portfolio performance, and identifies potential risks.

Responsibilities

• Assist sales in analyzing financial statements, assessing borrower creditworthiness, and preparing credit approval packages within assigned specialized vertical or region.
• Monitor financial trends, covenant compliance, and borrowing bases to identify potential credit risks and recommend actions.
• Work alongside sales and credit teams to structure deals, address underwriting inquiries, and support client needs.
• Act as a mentor to analysts, sharing expertise in financial analysis, credit structuring, and risk assessment.
• Stay informed on market trends, credit policies, and risk mitigation techniques to strengthen expertise in commercial lending.
• Use independent judgement and discretion to make decisions regarding assigned portfolio.
• Analyze and resolve problems pertaining to the assigned portfolio.

Requirements

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 5+ years of equivalent experience
• 2+ Years in credit underwriting, portfolio management, or a related field
• 2+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
• Strong financial analysis and risk assessment abilities
• Basic understanding of loan structuring and credit agreements
• Proficiency in financial modeling and credit decision tools
• Effective communication and teamwork skills

Qualifications

• Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field
• 2+ Years in credit underwriting, portfolio management, or a related field. 2+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)

Skills

* Required skills

Benefits