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Credit Officer Sr, Vendor Equipment Finance

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Credit
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TIAA Bank
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As a part of TIAA’s Financial Solutions business, TIAA Bank, a division of TIAA, FSB, provides full-service, nationwide banking and lending services to consumer, commercial and institutional clients through a variety of channels, including online, its Florida-based financial centers and at other business offices throughout the country.

Position Summary

This position reports to the Credit Leader. The candidate’s primary functions include management of deal flow from an assigned business segment to ensure the highest level of credit productivity, adherence to program turn around requirements and TIAA Bank Commercial Finance (TCF) policy requirements. Provide coaching to credit staff on a transactional basis. Develop and perform regularly scheduled formal training for credit staff across all platforms in the equipment business. Candidate will work closely with all credit personnel, platform sales and TCF support groups.

Essential Functions

•Responsible for the management of deal flow from an assigned business segment to ensure the highest level of credit productivity, adherence to program turn around requirements and TCF policy requirements
•Prioritize and when appropriate underwrite mid to large dollar middle market transactions which may require complex and unique transaction structures
•Prepare written analyses, transaction approval summaries and (as requested) related industry studies to assist in the making of lending decisions on new, renewal, and extensions in accordance with TCF policy, exercise credit authority at the second highest level within TCF, below the Chief Credit Officer’s authority, includes assessing credit grades for new and existing credits
•Participate in discussions regarding credit worthiness of pending and/or prescreen requests
•Present analytical results and written conclusions to all levels of management
•Process appeals and changes to original decisions
•Performance planning responsibilities for a team of credit analysts
•Establish and maintain a strong working relationship with the business units and the Credit Committees
•Review, approve and/or recommend business unit over line requests
•Communicate with business units regarding credit transactions being reviewed; assisting with structuring and working through credit and risk issues
•Documentation review and administration up to individual credit authority
•Provide coaching and handle performance planning for credit staff
•Develop and conduct regularly scheduled formal training for credit staff across all platforms in the equipment business
•Work closely with the other business segment Technical Resource to assess volume levels and appropriate staffing coverage across all platforms in the equipment business
•Develop strong working relationships with sales force, platform managers, operations managers and other team members
•Provide ongoing support to sales force, platform managers and other team members as required
•Complete special projects for the organization specific to credit process
•Credit travel required as needed for customer, prospect and business unit visits

Knowledge, Skills, and Abilities

•Strong knowledge of bank credit rating and modeling systems
•Analytical with proven ability to convert large amounts of data into meaningful recommendations.
•Solid working knowledge of Excel
•Strong communication skills
•Training and coaching acumen
•Must be able to effectively present information and respond to questions from various levels of management.
•Strong and demonstrated ability to prioritize and handle multiple projects under pressure and complete them on time and with a high degree of accuracy.

Qualifications

•Bachelor's degree, preferably in business or finance or equivalent in experience. MBA a plus.
•Minimum 15 years’ experience as a senior credit analyst in middle market commercial credit, with demonstrated increasing levels of signing authority
•Previous management experience required, including successful track record in training and developing teams




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We are an Equal Opportunity/Affirmative Action Employer. We will consider all qualified applicants for employment regardless of age, race, color, national origin, sex, religion, veteran status, disability, sexual orientation, gender identity, or any other legally protected status.

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