Commercial Bank- Credit Risk- Middle Market Underwriting, Associate
The Group:
Middle Market Banking & Specialized Industries (MMBSI) is a Commercial Banking business located in 117 offices across the US and Canada. MMBSI provides credit, cash management, capital markets and corporate finance advisory solutions to corporations, municipalities and not-for-profit entities via our Core Banking and Specialized Industries teams.
Banking teams generally focus on clients with annual revenues of $20 million to $500 million. Our local delivery model, coupled with the firm’s global resources, allows us to provide clients with customized, comprehensive solutions and exceptional service.
In MMBSI, our competitive advantages include robust international capabilities, the ability to provide clients with access to world-class investment banking solutions and our focus on industry specialization. These key differentiators, combined with our dedication to personalized service, allows us to build long-term relationships with mid-sized businesses and a wide spectrum of municipalities and not-for-profit entities.
The Position:
The Associate position is within MMBSI’s Houston region which covers a wide variety of industries and supports our Core and certain Specialized Industry Banking teams. As an Associate in MMBSI Credit Risk, your primary role is to take ownership of your portfolio and to utilize excellent credit skills to work independently on the portfolio of relationships assigned to you. You will appropriately assess the risk in your portfolio, diligently manage the portfolio (i.e. renewals, modifications, managing all credit metrics), and meet customer deadlines. You will be a partner to the bankers in the market, striving to balance sales and credit quality goals.
Responsibilities:
• Structure transactions while balancing risk/reward
• Utilize advanced credit skills to author concise, thoughtful analysis of relationships using appropriate structure and identifying key risks
• Partner with the bankers to develop fulsome client relationships, including being looked to as the go-to person when the banker is out
• Work proactively with internal and external contacts to ensure transactions move forward efficiently
• Lead transactions and partner with senior deal team members on complex syndications and multi-level capital structures
• Demonstrate excellent communication skills, both internally and externally with clients and prospects
• Independently evaluate smaller relationships to assess risk profile and recommend simple structures that adequately protect the bank
Qualifications:
• BS or advanced degree with business focus
• Completion of a major corporate or commercial bank credit training program and three years of commercial banking experience preferred
• Otherwise, a minimum of five years of experience in commercial banking/lending which might include credit, structuring, and marketing experience
• Significant accounting and finance knowledge
• Strong verbal, written, and interpersonal skills
• Strong analytical and problem solving skills