International Lending Officer

Job highlights
Identified by Google from the original job post
Qualifications
The Lending Officer's responsibilities require expert knowledge of banking products and services, involving a high level of independent decision-making and problem-solving to ensure a superior client experience while managing the full loan lifecycle
5-7 years of experience in commercial banking
2 years of experience in bank lending, including credit analysis
Proven ability to independently manage an extensive portfolio of clients
Strong corporate finance and accounting acumen, including financial modeling experience
Expertise in evaluating creditworthiness and risk across various industries
Demonstrated ability to cultivate and sustain client relationships
Outstanding oral and written communication skills, with experience presenting to decision-making committees
Strong problem-solving skills and the ability to propose effective solutions for complex client needs
Proficient in Microsoft Office Suite (Word, Excel, Outlook) and financial analysis tools
Exceptional organizational skills, with the ability to manage competing priorities and meet deadlines
Professional sales skills, including planning, execution, and follow-up of client engagements
Bachelor's Degree in Business Administration, Finance, or a related field required
Responsibilities
The International Lending Officer plays a critical role in managing the lending process for commercial loans within the International Department's portfolio
This position independently oversees the lending aspects, ensuring seamless operations, client satisfaction, and compliance with regulatory standards
The Lending Officer exercises discretion and independent judgment in analyzing complex financial information, negotiating loan terms, and collaborating with various departments to facilitate loan funding and compliance
As a key partner to Relationship Managers (RMs), the Lending Officer collaborates closely with them to manage both new and existing commercial loans, ensuring effective and efficient portfolio management
This position also contributes to the broader strategic goals of the organization, including business development, client retention, and risk management, by engaging with clients and internal teams to deliver tailored lending solutions
Independently monitors and manages the portfolio of commercial loans from IPB, ensuring compliance with bank policies and identifying areas of potential risk, improvement, or opportunity for portfolio optimization
Independently analyzes creditworthiness by conducting detailed financial statement analysis, evaluating the credit risk against bank standards, and making informed decisions on loan approvals, modifications, and renewals
Oversees the ongoing administration of loan requirements, including ticklers, covenants, and annual reviews, ensuring operational efficiency, accuracy, and compliance with regulatory standards
Collaborates directly with clients to assess complex financial issues, propose solutions, and advocate for appropriate credit structures and services, providing expert advice and building strong relationships
Structures and completes both secured and unsecured business loans, ensuring alignment with client goals and bank risk tolerances, and making key decisions on credit terms and conditions
Prepares comprehensive loan proposals and develops customized sales strategies, leveraging deep knowledge of banking products to align with client needs and achieve bank objectives
Delivers exceptional client service by independently resolving client inquiries and concerns, ensuring seamless loan operations and enhancing the overall client experience
Evaluates business, management, industry, financial, and structural risks, documenting assessments comprehensively in credit approval documents and ensuring they align with the bank’s risk profile
Cultivates and sustains strong relationships with clients, RMs, and internal partners, fostering business development, client retention, and loyalty, and contributing to the growth of the bank's commercial loan portfolio
Maintains expert-level knowledge of all bank products and services, utilizing this expertise to cross-sell and enhance client relationships, ensuring alignment with client needs and strategic goals
Organizes and leads complex sales initiatives, including customized proposal generation, to meet both client and bank objectives while making independent decisions on structuring deals
Partners with Relationship Managers (RMs) to conduct client visits, providing on-site servicing, fostering relationship-building, and identifying new business opportunities to support the achievement of set goals
Engages with Risk Partners, Sales Directors/Managers, or other Line of Business (LOB)
partners during joint appointments to advance client solutions, ensuring alignment with broader bank objectives and risk management strategies
Job description
Overview:

The International Lending Officer plays a critical role in managing the lending process for commercial loans within the International Department's portfolio. This position independently oversees the lending aspects, ensuring seamless operations, client satisfaction, and compliance with regulatory standards. The Lending Officer exercises discretion and independent judgment in analyzing complex financial information, negotiating loan terms, and collaborating with various departments to facilitate loan funding and compliance.

As a key partner to Relationship Managers (RMs), the Lending Officer collaborates closely with them to manage both new and existing commercial loans, ensuring effective and efficient portfolio management. The Lending Officer's responsibilities require expert knowledge of banking products and services, involving a high level of independent decision-making and problem-solving to ensure a superior client experience while managing the full loan lifecycle.

This position also contributes to the broader strategic goals of the organization, including business development, client retention, and risk management, by engaging with clients and internal teams to deliver tailored lending solutions.

Principal Duties & Responsibilities:
• Independently monitors and manages the portfolio of commercial loans from IPB, ensuring compliance with bank policies and identifying areas of potential risk, improvement, or opportunity for portfolio optimization.
• Independently analyzes creditworthiness by conducting detailed financial statement analysis, evaluating the credit risk against bank standards, and making informed decisions on loan approvals, modifications, and renewals.
• Oversees the ongoing administration of loan requirements, including ticklers, covenants, and annual reviews, ensuring operational efficiency, accuracy, and compliance with regulatory standards.
• Collaborates directly with clients to assess complex financial issues, propose solutions, and advocate for appropriate credit structures and services, providing expert advice and building strong relationships.
• Structures and completes both secured and unsecured business loans, ensuring alignment with client goals and bank risk tolerances, and making key decisions on credit terms and conditions.
• Prepares comprehensive loan proposals and develops customized sales strategies, leveraging deep knowledge of banking products to align with client needs and achieve bank objectives.
• Delivers exceptional client service by independently resolving client inquiries and concerns, ensuring seamless loan operations and enhancing the overall client experience.
• Evaluates business, management, industry, financial, and structural risks, documenting assessments comprehensively in credit approval documents and ensuring they align with the bank’s risk profile.
• Cultivates and sustains strong relationships with clients, RMs, and internal partners, fostering business development, client retention, and loyalty, and contributing to the growth of the bank's commercial loan portfolio.
• Maintains expert-level knowledge of all bank products and services, utilizing this expertise to cross-sell and enhance client relationships, ensuring alignment with client needs and strategic goals.
• Organizes and leads complex sales initiatives, including customized proposal generation, to meet both client and bank objectives while making independent decisions on structuring deals.
• Partners with Relationship Managers (RMs) to conduct client visits, providing on-site servicing, fostering relationship-building, and identifying new business opportunities to support the achievement of set goals.
• Engages with Risk Partners, Sales Directors/Managers, or other Line of Business (LOB) partners during joint appointments to advance client solutions, ensuring alignment with broader bank objectives and risk management strategies.

Qualifications:
• 5-7 years of experience in commercial banking.
• 2 years of experience in bank lending, including credit analysis.
• Proven ability to independently manage an extensive portfolio of clients.
• Strong corporate finance and accounting acumen, including financial modeling experience.
• Expertise in evaluating creditworthiness and risk across various industries.
• Demonstrated ability to cultivate and sustain client relationships.
• Outstanding oral and written communication skills, with experience presenting to decision-making committees.
• Strong problem-solving skills and the ability to propose effective solutions for complex client needs.
• Proficient in Microsoft Office Suite (Word, Excel, Outlook) and financial analysis tools.
• Exceptional organizational skills, with the ability to manage competing priorities and meet deadlines.
• Professional sales skills, including planning, execution, and follow-up of client engagements.

Education:
• Bachelor's Degree in Business Administration, Finance, or a related field required.
Special information to candidates:
• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCP here.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department at 305-577-7680 or by e-mail at employment@citynational.com.