Associate Credit Officer – Mortgage Finance & Structured Products
| Company | Texas Capital Bank |
|---|---|
| Location | Dallas, TX, USA |
| Salary | $Not Provided – $Not Provided |
| Type | Full-Time |
| Degrees | Bachelor’s |
| Experience Level | Expert or higher |
Requirements
- A minimum of ten (10) years of experience in a credit related role
- Bachelor’s degree; MBA preferred.
- Completion of a formal credit training program preferred.
- Prior experience as a commercial lender preferred.
- A high level of interpersonal skills to communicate policies, procedures and objectives effectively throughout the Bank and to cultivate working relationships with bankers and clients.
- A high level of analytical skill to assess and manage areas of responsibility including determination of credit risk involved and making final approval decisions.
- Proficient with Excel and Microsoft Word.
- Strong written communications skills.
- Understanding of all Bank products and services.
- Thorough knowledge of commercial loans, principles, policies, and practices.
- Thorough knowledge of financial statement analysis and Petroleum Engineering evaluations.
- Knowledge of current lending laws and regulations.
Responsibilities
- Ensures all due diligence and background evaluation is complete before credit approval is granted.
- Ensures the effective administration of the corporate loan policies, programs, objectives and goals as they pertain to the Bank.
- Ownership of post-approval modifications to ensure accurate reporting of credit exposure.
- Oversight and in-depth analysis of macroeconomic conditions, industry trends and changes in lending practices.
- Ownership of portfolio reporting and analytics: grade-migration, past-dues, exceptions, coming-due maturities, etc.
- Oversight of credit related responsibilities for the Credit Risk Analysts and Associates, including financial statement spreading and validation of various underwriting models.
- Ownership of all credit approvals (new customers, modifications, renewals, increases, risk assessments).
- Identification of key risks and issues pertinent to each credit request, including potential mitigants for identified risks.
- Lead and/or support key initiatives to drive improvements in the delivery of credit solutions for clients and prospects.
- Assures the integrity of individual credits approved as well as the assigned portfolio.
- Responsible for risk rating assessment and periodic relationship reviews.
- Partner with Relationship Manager in credit agreement review and negotiation.
- Validate covenant compliance and covenant management, when applicable.
- Direct and manage portfolio review, when applicable.
- Works with and mentors underwriting team.
- Ownership of policy exception identification.
- Identify cross-sell opportunities.
- Assesses risk ratings.
- Partner with Special Assets Group for credit requests (as needed).
- May perform other duties as needed.
Preferred Qualifications
- MBA preferred.
- Completion of a formal credit training program preferred.
- Prior experience as a commercial lender preferred.