This individual will work as a Risk Manager in Commodities Marketing within the Commodity Business Center. They will be responsible for transaction underwriting and portfolio management by conducting credit analysis and risk assessments for commodity clients. The role includes managing client relationships by identifying their credit needs and originating new business while ensuring compliance with bank policies.

**Compliance and Risk Management**

Develop new products and onboard new customers in line with the Bank's risk appetite statement

Comply with departmental procedures for KYC and Credit Risk Control (including underwriting and post-lending monitoring), Bank policies (such as Credit Risk, Compliance, New Product Management), and applicable laws, including BSA/AML and OFAC

Set up customer profile and update/review in a timely manner

Comply with departmental compliance and risk control procedures when accepting customers' transactions

Detect red flags/ unusual activities and inform Middle Office, escalating as necessary

Keep abreast of compliance knowledge by attending trainings and seminars

Actively identify incidents outside of established policies/ products, and report to management promptly

**Transaction Underwriting & Portfolio Monitoring**

Oversee the credit analysis and review process for a portfolio of accounts

Carry out financial and credit risk analysis based on company, industry, market and competitor research

Evaluate risk aspects of transaction terms and conditions consistent with Bank policies

Prepare credit reports in liaison with account officers and interact with various departments including credit risk and presenting recommendations to approval committees

Manage the covenant review and collateral monitoring process for asset-based loans

Manage a portfolio of accounts maintaining customer files, managing KYC requirements, conduct post-lending monitoring by analyzing interim and annual financials to address periodic reviews or specific client requests while interacting with credit risk and other departments

**Managing Client Relationships**

Identify and originate new client relationships

Identify credit needs of the client and determine appropriate product choice to satisfy these needs and obtain credit limits in accordance with the Bank's guidelines

Negotiate credit agreement, term sheets/pricing/trade confirmations, and monitor clients credit status and business activities

Prepare credit proposals and conduct financial analysis review for credit proposals

Assess profitability and risk of new loans and other products

**Product Marketing**

Originate business from target/existing clients

Determine product pricing by utilizing market research data and pricing guidance from the Bank

Cross-sell Bank products and deposit services, identify cross-selling opportunities and improve wallet share and risk/reward ratio

**Qualifications**

Bachelor's Degree preferred in Finance/ Economics/ Accounting/Engineering/ Sciences/ Liberal Arts

At least 5 years of experience, including minimum 2-3 years in investment/commercial banking, 2-3 years in a product manager or relationship manager role, 2-3 years of credit analysis, loan underwriting and portfolio monitoring experience, as well as commodity financing experience

**Pay Details:** $120,000.00 to $150,000.00 per year

Equal Opportunity Employer/Veterans/Disabled

To read our Candidate Privacy Information Statement, which explains how we will use your information, please navigate to https://www.adeccousa.com/candidate-privacy

The Company will consider qualified applicants with arrest and conviction records subject to federal contractor requirements and/or security clearance requirements.