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Job Description Summary

Under general direction with a high level of autonomy, uses extensive knowledge and skills obtained through education and experience to support the Corporate and Real Estate Banking department by verifying credit information and analyzing the most complex financial data to assist in making credit decisions and developing, structuring and managing loan transaction processes. Influences strategic direction, develops tactical plans and completes difficult assignments with substantial latitude for un-reviewed actions or decisions. Regular contact with senior management and other internal customers is required to identify, research, and resolve financial issues and provide comprehensive solutions to complex problems or needs.

Job Description

Essential Duties and Responsibilities

+ Oversees preparation and approval of Loan Reviews for certain Corporate Loans

+ Recommends risk rating upgrades and downgrades of Corporate Loans

+ Manages the Loan Review tracking process, exceptions, etc. including overseeing set-up on loan system.

+ Oversees the Annual Financial Review process including suggestions to enhance process.

+ Manages process of documentation follow-up, financial statement receipt, including set-up on loan system

+ Assists in gathering data/preparing for Loan Loss Reserve Committee meetings and Board meetings

+ Works on enhancements to Corporate Loan Grade model.

+ Gathers data/analyze components for loan loss reserve levels.

+ Oversees transition to electronic imaging of credit/collateral files.

+ Works closely with Credit Risk Executive and Corporate Banking Executive to administer all aspects of existing credit portfolio.

+ Interacts with Senior Management, Audit, Loan Review, other internal departments and bank regulators as needed.

+ May have management/supervisory responsibilities for incoming credit analysts and/or portfolio managers.

+ Performs other duties and responsibilities as assigned.

Knowledge, Skills, and Abilities

Knowledge of

+ Advanced concepts, practices and procedures of credit analysis.

+ Advanced concepts in corporate and commercial real estate.

+ Residential and retail lending underwriting.

+ Principles of banking and finance.

+ Processing operations and network architecture.

+ Underwriting guidelines.

+ Federal and State lending laws.

Skill in

+ Analytical problem solving sufficient to guide associates in major analysis function and structuring credits.

+ Direction and enforcement including credit quality and underwriting.

+ Preparing management reports.

+ Interpreting and applying policies and procedures.

+ Identifying trends and implementing appropriate corrective action.

+ Reading, interpreting, analyzing and applying information from credit reports.

+ Researching, interpreting and analyzing complex financial statements.

+ Preparing complex financial position and credit worthiness reports.

+ Structuring, negotiating and closing loan transactions.

+ Maintaining and monitoring loan documentation to ensure compliance with loan terms.

+ Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.

+ Preparing and delivering oral and written presentations.

+ Performing due diligence.

+ Operating standard office equipment and using required software applications to produce correspondence, reports, electronic communication, spreadsheets, and databases.

Ability to

+ Plan strategically sufficient to administer the department, oversee the budgeting process and provide guidance and oversight to credit policy issues.

+ Exercise sound decision-making, good judgment and communicate effectively, both orally and in writing, with all organizational levels, including senior management.

+ Partner with other functional areas to accomplish objectives.

+ Lead meetings and contribute to team efforts by ensuring all relevant information is included in the outcomes.

+ Establish and maintain effective working relationships at all levels of the organization, including negotiation resources.

+ Perform human resource management activities.

+ Plan, assign, monitor, review, evaluate and lead the work of others.

+ Manage relationships with clients.

+ Provide coaching, mentoring and technical training to others.

+ Incite enthusiasm and influence, motivate and persuade others to achieve desired outcomes.

+ Identify training needs and develop subordinates.

+ Work independently, make non-routine decisions and resolve complex problems.

+ Organize, manage and track multiple detailed tasks and assignments with frequently changing priorities and deadlines in a fast-paced work environment with frequent interruptions.

Education

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Data Processing

Work Experience

Manager Experience - 10 to 15 years

Certifications

Certified Anti-Money Laundering Specialist (ACAMS) - Association of Certified Anti-Money Laundering Specialists (ACAMS)

Travel

Less than 25%

Workstyle

Hybrid

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same

• Work with and through others to achieve desired outcomes

• Make prompt, pragmatic choices and act with the client in mind

• Take ownership and hold themselves and others accountable for delivering results that matter

• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

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