Job Summary: 

• Develop and implement a strategy to manage the property portfolio
• Drive down operating costs relating to Telstra InfraCo property expenses
• Conduct strategic review of leases and renewals to lock in cost-effective long-term lease contracts
• Assess opportunities for strategic lease buyouts, including developing business cases and facilitating execution
• Identify strategic freehold property divestment opportunities
• Underwrite and service a portfolio of commercial loan relationships with auto dealers.
• Spread and analyze financial statements, address industry risks, collateral requirements, loan structuring and pricing, credit analysis, monitor credit performance, and loan presentations.
• Handle reporting on loans, involving such things as past dues, documentation and collateral exceptions, financial performance updates, portfolio profitability, etc.
• Provide customer service through approachability and working knowledge of all processes.
• Manage existing client relationships.
• Maintains a deep understanding of bank policies and risk appetite.

Skills on Resume: 

• Strategic Planning (Hard Skills)
• Cost Management (Hard Skills)
• Lease Negotiation (Hard Skills)
• Financial Analysis (Hard Skills)
• Credit Analysis (Hard Skills)
• Customer Service (Soft Skills)
• Relationship Management (Soft Skills)
• Risk Management (Hard Skills)

Job Summary: 

• Assist Relationship Managers with credit requests.
• Collaborate and communicate with internal and external clients at a high level regarding sensitive and routine matters.
• Expand, build, and maintain relationships, resulting in high customer satisfaction.
• Manage risk on an ongoing basis by monitoring customer creditworthiness, adherence to loan terms, and general business conditions
• Manage annual reviews and renewals, portfolio reviews, collateral exceptions, borrowing bases, delinquencies, and other reporting
• As appropriate, assist in optimizing customer relationships by working directly with Relationship Managers, Treasury Management, Capital Markets, and other team members
• Ensure the portfolio administration and risk management of each client relationship complies with established bank credit policy, procedure, and business strategy as well as commercial and regulatory guidelines.
• Responsible for credit risk and quality of the portfolio.
• Monitor clients’ compliance with all terms/requirements outlined in the Loan Agreement including repayment terms, loan covenants, and financial reporting.
• Responsible for overseeing clients’ financial condition, ongoing operating performance and repayment ability of all other accounts.
• Takes necessary and appropriate action to ensure repayment of past due loans or overdrawn accounts.
• Work with Relationship Managers and/or Market Presidents on due diligence and assessment of new loan opportunities.

Skills on Resume: 

• Credit Analysis (Hard Skills)
• Communication Skills (Soft Skills)
• Relationship Building (Soft Skills)
• Risk Management (Hard Skills)
• Portfolio Management (Hard Skills)
• Collaboration (Soft Skills)
• Regulatory Compliance (Hard Skills)
• Problem-Solving (Soft Skills)

Job Summary: 

• Promotes and monitors customer relationship and growth
• Partners with Relationship Managers to ensure customers are being serviced
• Attends bank/Relationship Manager meetings to assist in the loan approval process and delivering the Bank to the clients.
• In conjunction with the credit dept., will assist in credit underwriting and analysis of existing relationships in connection with renewals, modifications and new transactions.
• Assist in facilitating the closing of those transactions and manage past due and maturing loans.
• Prepares periodic reviews of existing loans to assess credit quality, covenant compliance, risk rating review and regulatory review.
• Receive and review periodic reporting provided by customers to ensure borrowing base availability as well as to monitor performance
• Actively participates in research, preparation and execution of customer calls
• Review legal documents and seek additional approvals to ensure compliance
• Reporting – responsible for reporting on the overall portfolio, including assessing asset quality, stress testing, industry and market analysis, asset allocation, reserves, and non-performing loan analysis.
• Assists in the preparation of RLAC reports for the portfolio, as well as leveraged lending and cash flow lending reporting.

Skills on Resume:

• Customer Relationship Management (Soft Skills)
• Collaboration (Soft Skills)
• Credit Underwriting (Hard Skills)
• Analytical Skills (Soft Skills)
• Loan Management (Hard Skills)
• Regulatory Compliance (Hard Skills)
• Communication Skills (Soft Skills)
• Market Analysis (Hard Skills)

Job Summary: 

• Analyze customers’ financial data & structure and perform ongoing credit management
• Coached in the responsibility of early detection of problem loans and generation of reports for management of weak and criticized loans.
• File maintenance and retention management partnered with the Relationship Manager to assure quality control, particularly in preparation for audits and loan reviews, including annual reviews and adequate reporting.
• Follow up, verification and modification/correction of all internal reporting and system onboarding: proper P&L/cost center, application of fees to the note, set up for payments and interest, collection and application of any additional revenue.
• Accessing data rooms to collect existing customer information, and contact the agent to obtain current information.
• Familiar with operations and approval docs to facilitate booking and supporting lending assistants in getting approvals for funding wires.
• Projects – may be required to work on miscellaneous projects and initiatives related to either the credit functions or across the company
• Effective and timely communication with credit management, borrower, and agent banks as well as with internal partners such as Treasury Management, Corporate Banking, Operations, Accounting, Legal, etc.
• Engage partners as appropriate throughout the underwriting process.
• Review current account status, including Past Due accounts and Notes Matured.
• Makes appropriate recommendations for these accounts.
• Develop knowledge of the industry and/or markets being supported.
• Assess management capabilities, complete industry research, and identify emerging risks to determine whether loans represent an acceptable risk.

Skills on Resume: 

• Financial Analysis (Hard Skills)
• Credit Management (Hard Skills)
• Data Management (Hard Skills)
• Problem Detection (Soft Skills)
• Communication Skills (Soft Skills)
• Team Collaboration (Soft Skills)
• Attention to Detail (Soft Skills)
• Industry Knowledge (Hard Skills)

Job Summary: 

• Partners with peer Portfolio Managers, Regional Credit Lead or Credit Officer, Team Leaders, and Relationship Managers in credit underwriting and risk management efforts through performing industry and company research 
• Determine key factors that drive results, financial analysis and modeling, and approval document preparation and review.
• Assists in understanding the credit needs of customers and prospects, and the benefits provided to them through the products and/or services offered by the bank to meet those needs.
• Participates in the loan proposal process and account management functions, including accompanying the Relationship Managers on customer and prospect calls.
• Assists in coordinating, preparing, negotiating, and reviewing internal or third-party loan documentation
• Understands all credit products offered by the bank, and appropriate use.
• Develop a working knowledge of all customers, businesses, and prospective opportunities, including the formation and execution of action plans.
• Maintain appropriate client records and an archive of the bank's industry-wide and client-specific credit work.
• Collects and reviews all required collateral and financial monitoring or servicing information, and appropriately evaluates this information to identify potential issues, coordinate corrective action
• Consist of statement, covenant and insurance reporting, monitoring and tracking, Dual Risk Rating updates, Admin Loan Status Report updates, and other Credit Excellence items
• Responsible for approval within designated authorities.
• Mentors and develops more junior portfolio managers and business partners.
• Partners with the Relationship Manager on an ongoing basis to obtain information concerning customer performance

Skills on Resume:

• Credit Underwriting (Hard Skills)
• Risk Management (Hard Skills)
• Financial Analysis (Hard Skills)
• Communication Skills (Soft Skills)
• Relationship Building (Soft Skills)
• Problem-Solving (Soft Skills)
• Team Collaboration (Soft Skills)
• Mentoring (Soft Skills)

Job Summary: 

• Provide oversight and leadership of specific commercial portfolios throughout the commercial lifecycle
• Oversee the PS portfolio plans & roadmaps ensuring best practice outcomes and guidance to support business needs
• Identification and relationship oversight of MSD’s strategic and/or critical portfolio suppliers
• Lead and manage relationships at all levels including those external to the organization to become a trusted advisor
• Develop and manage strategies that anticipate, manage, and mitigate the risks associated with commercial matters
• Collaborate with management and staff regarding changes to existing or new procurement practices
• Work collaboratively to ensure coordinated services are provided to customers
• Embedding Te Ao Māori (te reo Māori, tikanga, kawa, Te Tiriti o Waitangi) into the way do things at MSD
• Independently evaluates structures, and risk rates and underwrites companies with risk exposure or potential risk exposure to the bank.
• Ensures appropriate compliance with all bank requirements and loan covenants
• Negotiates terms and conditions of credit with Loan Officers.
• Initiates credit modifications and risk rating upgrading/downgrading, modifying terms and frequency of covenants, financial reporting, collateral security, audit schedule, etc.

Skills on Resume:

• Risk Management (Hard Skills)
• Strategic Planning (Hard Skills)
• Relationship Management (Soft Skills)
• Leadership (Soft Skills)
• Compliance Knowledge (Hard Skills)
• Negotiation Skills (Soft Skills)
• Collaboration (Soft Skills)
• Cultural Competence (Soft Skills)