Santander Bank, NA Credit Officer - Equipment Finance in Florham Park, New Jersey
Credit Officer - Equipment Finance - 1804572
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.
Bachelor's Degree in Business, Accounting, Finance, Economics or equivalent experience
5+ years of experience as a Credit Officer, Loan Workout /Review Officer, or other related position, ideally 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
Organization : Commercial Banking (4700)
Schedule : Full-time
Job Posting : Jul 11, 2018, 4:44:57 PM
AN EQUAL OPPORTUNITY EMPLOYER M/F/Vet/Disabled/SO