Credit Products Officer II-Corporate C&I (Hybrid NY)

Credit Products Officer

A Credit Products Officer specializes in either Corporate and Industrial (C&I) or Commercial Real Estate (CRE) loan requests. They are responsible for preparing complete and accurate credit analyses in a timely manner that meets or exceeds internal business partners' needs, customer expectations, regulatory requirements, and leading industry practices. They are accountable for protecting the Bank by providing an unbiased and objective view of the prospective borrower and thoroughly disclosing all identified risks. In addition, this position is responsible for the monitoring and ongoing maintenance of a portfolio, while supporting one or more Relationship Managers in this endeavor.

Essential Duties and Responsibilities

Include the following. Other duties and special projects may be assigned :

• Pre-screening Activities (10% of time)

Determine Risk Ratings Confirm the Industry Risk Rating (IRR) and Hold Limits as well as determine Borrower's Risk Rating (BRR) using the tools / matrices provided by the bank.

Determine financial information requirements Work with the Relationship Manager to obtain all necessary information to underwrite the credit request.

Deliver approval package to Credit Depending upon the approval authority required by the Corporate Approval Model, assist the CPM, SCPM or MDCP in the delivery of the approval package to the appropriate Credit Officer.

Finalize credit approval package Ensure package is complete and forward to assigned Loan Closing Officer in Loan Administration.

Manage financial ticker items : Collect and review financial statements and covenant compliance and borrowing base worksheets from corporate customers.

Identify opportunities Seek out opportunities for continuous improvement in corporate underwriting / portfolio management practices and tools.

Adheres to and complies with applicable, federal and state laws, regulations and guidance, including those related to anti-money laundering (i.e. Bank Secrecy Act, US PATRIOT Act, etc.).

Adheres to Bank policies and procedures and completes required training.

Identifies and reports suspicious activity.

Education

Bachelor's Degree 4 year college degree in business related field, or other acceptable alternative field required.

Experience

7-9 Years of credit experience required.

Knowledge, Skills and Abilities

Must have good accounting skills developed through formal college undergraduate courses (through intermediate accounting) or through acceptable alternative means such as AIB.

Additional Information

Candidates residing in locations within BankUnited's footprint may be given preference.

BankUnited is an Affirmative Action and Equal Opportunity Employer. BankUnited does not discriminate against individuals on the basis of race, creed, color, gender, religion, national origin, age, disability, veteran status, pregnancy, marital status, citizenship status, sexual orientation, gender identity, genetic information, or any other classification protected by applicable laws.