What are the responsibilities and job description for the Credit Officer position at Executive Alliance?
Responsibilities:
Lead Real Estate credit analysis conducted in connection with approval of credit transactions and ongoing monitoring of real estate related industries, including REIT and home building.
- Reviews/assesses credit applications
- Provides effective analysis of credit including credit worthiness of the applicant, loan structure, risk return, the applicant’s operating, financial and industry profiles including historical profit and loss performance, financial condition and cash flow.
- Creates various types of financial models, commenting on the reasonableness of assumptions
- summarize industry trends.
- credit opinions with recommendation for approval or decline.
- Recommend appropriate risk rating for each customer/transaction
- Directly engages in external meetings/presentations/events with syndicate banks, rating agencies, clients, law firms and other related parties, in co-ordination with coverage bankers, other product partners
Qualifications:
- Demonstrates strong industry knowledge of Real Estate
- Exhibits a capacity to analyze the underlying credit trends, credit migration trends and default
- In-depth reporting based on information gathered and thoughtful cash flow projections.
- Detect potential credit problems at an early stage.
- Building comprehensive cash flow projection models.
Skills:
- 6 years of credit-related experience – quantitative background.
- Negotiation and Ability to present credit opinion
- Formalized credit training from an accredited financial institution and proficient financial modeling skills.
Salary : $160,000 - $180,000
