BankUnited
Overview
Credit Products Officer II (C&I Specialty) at BankUnited. This role focuses on evaluating Corporate and Industrial loan requests, preparing complete and accurate credit analyses, and supporting Relationship Managers while maintaining portfolio monitoring and risk management. Base pay range: $130,000.00/yr - $160,000.00/yr Summary
A Credit Products Officer specializes in C&I loan requests and is responsible for preparing complete and accurate credit analyses in a timely manner that meet internal business partners\' needs, customer expectations, regulatory requirements and leading industry practices. They are accountable for protecting the Bank by providing an unbiased and objective view of the prospective borrower and thoroughly disclosing all identified risks. In addition, this position is responsible for the monitoring and ongoing maintenance of a portfolio, while supporting one or more Relationship Managers. Essential Duties and Responsibilities
Pre-screening Activities (10% of time) – Determine Risk Ratings: confirm Industry Risk Rating (IRR) and Hold Limits; determine Borrower\'s Risk Rating (BRR) using bank tools/matrices. Prepare spreads in Moody\'s Risk Origins (C&I) to aid Relationship Manager and Line Management in deciding whether to move forward with a request. Underwriting Activities (40% of time) – Determine financial information requirements; assist in preparation of the Pre-Approval Memorandum; determine due diligence requirements; perform borrower financial analysis; perform guarantor financial analysis; review and analyze third-party reports; identify and mitigate risks; collaborate in credit structuring; determine borrower/guarantor/facility risk ratings; complete Credit Approval Memorandum and electronic approvals; assemble approval package; preview with RM/Line Management; deliver package to CPM/SCPM/MDCP and obtain affirmation. Approval Activities (10% of time) – Deliver approval package; document approvals. Post-approval Activities (5% of time) – Finalize credit approval package; ensure loan documents reflect credit approval; organize credit files; draft Post-Approval Modification Memo. Portfolio Management Activities (30% of time) – Manage financial ticker items; perform property inspections; process draw/extension requests under approved facilities; conduct ongoing credit assessments/reviews; maintain risk ratings; conduct research on industries; identify cross-sale opportunities; underwrite ACH exposure; maintain credit file accuracy and electronic backups; perform quarterly portfolio reviews; provide customer service related to credit servicing. Underwriting/Portfolio Management Practice Development (5% of time) – Identify opportunities for continuous improvement; collaborate with cross-functional teams to develop/deploy best practices/tools. Compliance – Adhere to applicable federal and state laws and guidance (e.g., Bank Secrecy Act, US PATRIOT Act); adhere to Bank policies and training; identify and report suspicious activity. Education
Bachelor\'s Degree (4-year) in business-related field or other acceptable alternative. Experience
7-9 years of credit experience required. Knowledge, Skills and Abilities
Strong accounting skills developed through formal coursework (up to intermediate accounting) or acceptable alternatives (e.g., AIB). Additional Information
Candidates residing in BankUnited\'s footprint may receive preference. Seniorities, Employment Type, and Function
Seniority level: Mid-Senior level Employment type: Full-time Job function: Business Development and Sales Industries: Banking
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Credit Products Officer II (C&I Specialty) at BankUnited. This role focuses on evaluating Corporate and Industrial loan requests, preparing complete and accurate credit analyses, and supporting Relationship Managers while maintaining portfolio monitoring and risk management. Base pay range: $130,000.00/yr - $160,000.00/yr Summary
A Credit Products Officer specializes in C&I loan requests and is responsible for preparing complete and accurate credit analyses in a timely manner that meet internal business partners\' needs, customer expectations, regulatory requirements and leading industry practices. They are accountable for protecting the Bank by providing an unbiased and objective view of the prospective borrower and thoroughly disclosing all identified risks. In addition, this position is responsible for the monitoring and ongoing maintenance of a portfolio, while supporting one or more Relationship Managers. Essential Duties and Responsibilities
Pre-screening Activities (10% of time) – Determine Risk Ratings: confirm Industry Risk Rating (IRR) and Hold Limits; determine Borrower\'s Risk Rating (BRR) using bank tools/matrices. Prepare spreads in Moody\'s Risk Origins (C&I) to aid Relationship Manager and Line Management in deciding whether to move forward with a request. Underwriting Activities (40% of time) – Determine financial information requirements; assist in preparation of the Pre-Approval Memorandum; determine due diligence requirements; perform borrower financial analysis; perform guarantor financial analysis; review and analyze third-party reports; identify and mitigate risks; collaborate in credit structuring; determine borrower/guarantor/facility risk ratings; complete Credit Approval Memorandum and electronic approvals; assemble approval package; preview with RM/Line Management; deliver package to CPM/SCPM/MDCP and obtain affirmation. Approval Activities (10% of time) – Deliver approval package; document approvals. Post-approval Activities (5% of time) – Finalize credit approval package; ensure loan documents reflect credit approval; organize credit files; draft Post-Approval Modification Memo. Portfolio Management Activities (30% of time) – Manage financial ticker items; perform property inspections; process draw/extension requests under approved facilities; conduct ongoing credit assessments/reviews; maintain risk ratings; conduct research on industries; identify cross-sale opportunities; underwrite ACH exposure; maintain credit file accuracy and electronic backups; perform quarterly portfolio reviews; provide customer service related to credit servicing. Underwriting/Portfolio Management Practice Development (5% of time) – Identify opportunities for continuous improvement; collaborate with cross-functional teams to develop/deploy best practices/tools. Compliance – Adhere to applicable federal and state laws and guidance (e.g., Bank Secrecy Act, US PATRIOT Act); adhere to Bank policies and training; identify and report suspicious activity. Education
Bachelor\'s Degree (4-year) in business-related field or other acceptable alternative. Experience
7-9 years of credit experience required. Knowledge, Skills and Abilities
Strong accounting skills developed through formal coursework (up to intermediate accounting) or acceptable alternatives (e.g., AIB). Additional Information
Candidates residing in BankUnited\'s footprint may receive preference. Seniorities, Employment Type, and Function
Seniority level: Mid-Senior level Employment type: Full-time Job function: Business Development and Sales Industries: Banking
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