What are the responsibilities and job description for the Commercial Credit Liaison position at ThisWay?
Our partner is seeking a skilled and experienced Commercial Credit Liaison in Uvalde, TX. This role involves managing a diverse portfolio of commercial loans, ensuring sound credit quality, fostering client relationships, and maintaining compliance with regulatory standards and internal policies.
Responsibilities
- Portfolio Management :
- Assist in managing a portfolio of commercial loans, monitoring performance, compliance, and risk exposure.
- Conduct regular reviews of loan performance and ensure timely renewals, modifications, and payoffs.
- Identify opportunities for portfolio growth and diversification while managing risk effectively.
- Underwriting :
- Perform comprehensive credit analysis and underwriting of commercial loan applications.
- Prepare detailed credit memos and present findings and recommendations to the credit committee.
- Create cash flow models and spread borrower financial statements.
- Assess borrower creditworthiness and recommend appropriate loan structures and terms.
- Compliance Review :
- Review loan packages with lenders to ensure compliance with requirements and internal policies.
- Ensure documentation is complete, accurate, and logged appropriately.
- Conduct post-approval reviews to verify that all conditions have been met and that the loan package complies with standards.
- Relationship Management :
- Build and maintain strong client relationships, understanding financial needs and providing tailored solutions.
- Act as the primary point of contact throughout the loan lifecycle, addressing inquiries and resolving issues.
- Collaborate with the lending team and loan operations to ensure a seamless loan process.
- Risk Management :
- Monitor economic and market trends that may impact the portfolio and recommend adjustments as necessary.
- Ensure compliance with regulatory requirements and internal policies related to commercial lending.
- Conduct periodic risk assessments and stress testing on the loan portfolio.
- Reporting and Documentation :
- Maintain accurate records of loan documentation, financial information, and client communication.
- Prepare regular reports on portfolio performance, risk exposure, and underwriting activities for senior management.
Requirements
