Santander Bank, NA Credit Officer - Equipment Finance in Florham Park, New Jersey

Credit Officer - Equipment Finance - 1803269

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Description

Santander’s Commercial Banking Division is an active provider of capital, treasury management and risk management solutions to thousands of small and mid-sized companies in the northeast and across the country. We also have expertise and provide service to specific industry sectors including real estate, asset based lending, energy, education, health care and government.

Our clients rely on the strength of Santander’s balance sheet and the degree to which our relationship managers understand their businesses in order to develop the most relevant and compelling solutions. In addition, Santander’s significant international presence in regions around the world uniquely positions us to help companies grow their business, both near and far.

The Credit Officer-Equipment Finance will be responsible for evaluating and making decisions on renewals, modifications and new deals ensuring quality and soundness for credit transactions. Manages approval and commitment process (e.g. Committees) ensuring compliance with Credit Policy and accuracy of documents and supporting exhibits. Works with Regional Managers and clients negotiating and communicating final deal structure and terms. Continuously monitors and proactively manages risk/exposure and compliance with Credit Policy for assigned portfolio. Visits clients and reviews client performance and financials. Also provides guidance and mentoring to Credit Analysts and Credit Officers.Responsible for evaluating financial performance of borrower and based on a variety of factors determining an appropriate risk rating. Responsible for making decisions or recommendations on renewals, modifications, etc. Works with Relationship Manager and clients.

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Qualifications

  • Bachelor's Degree in Business, Accounting, Finance, Economics or equivalent experience.

  • 7+ years of experience as a Credit Officer, Loan Workout /Review Officer, or other related position, specifically with equipment finance

  • Ability to interact with all levels of management, work within a team environment and work independently

  • Ability to work with large databases and datasets for extraction and conversion into useful business information

  • Excellent technical and analytical skills

  • Excellent written/verbal communication and interpersonal skills

  • Expert knowledge of Microsoft Office, particularly Excel

  • Strong negotiation and presentation skills

  • Strong organizational and administrative skills

  • Ability to multi-task

  • Thorough knowledge of financial statements, accounting principles, Credit Policy, applicable laws and industry data sources.

Job : Commercial Risk Support
Primary Location : New Jersey-Florham Park

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Organization : Commercial Banking (4700)
Schedule : Full-time
Job Posting : May 14, 2018, 6:37:55 PM

AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO