At Axiom Bank we encourage you to aim for the sky and leverage your expertise and passion to excel. We are a growing, dynamic organization - this is an exciting time to get on board! We believe in the value of promoting a healthy work/life balance and are committed to recognizing the role everyone plays in our ongoing success. We offer the following benefits to our Full Time Employees:
- 12 Paid Holidays
- Generous Paid Time Off
- 4% Match on our 401(k)
- Medical, Dental and Vision Benefits
- 100% Company Paid Life, AD&D Insurance, Short and Long Term Disability
Key Responsibilities and Accountabilities
- Manage directly or in partnership with Relationship Managers multiple ABL and C&I client relationships across lower and middle market companies nationwide.
- Work with Collateral Analysts and Operations Support on processing funding requests and reviewing backup documentation for fundings.
- Review and approve client funding requests, including managing reserves.
- Analyze collateral (accounts receivable performance, aging distribution, dilution, turnover, debtor composition and concentrations).
- Manages the credit analytical function in support of the portfolio including: timely development of new loan proposals, annual or more frequent internal loan reviews, and monitoring of risk ratings, exception, and covenants compliance.
- Reviews the work product of the credit analysts for accuracy and completeness.
- Personally underwrites complex credits as necessary.
- Ensures reporting data integrity, in particular the monthly confirmation of risk ratings for internal and external reporting purposes.
- Provides for stress testing within the bank's portfolio segments which are sensitive to changing market conditions in concert with senior management and/or regulatory defined what if scenarios.
- Keeps management and board informed of any material issues affecting the loan portfolios, loan policies and unusual individual loan transactions of significant size or risk.
- Provides for the development of revisions of policies, procedures and agreements to ensure compliance with the regulatory guidance.
- Ensures that deviations from policy are identified, reported, and approved or corrected.
- Coordinates materials and scheduling of Officers' Credit Committee meetings and compiles minutes.
- Provides advice and guidance to lending management and staff. Consults with lending personnel as to risk on complex or unusual loan requests.
- Works in concert with the Chief Credit Officer regarding examination of lending practices and policies for compliance with regulations.
- Resolves credit policy issues identified internally or by regulators by coordinating due diligence efforts with line of business managers.
- Supervises loan reviews and monitors collection of financial statements.
Supervision of Personnel
- Credit Analyst(s) & Commercial Credit Specialist, if required
Working Conditions
- This position is performed in a regular office work environment, including ability to lift and carry files of up to 10 lbs. Extensive use of computer terminal and keyboard. The incumbent will be expected to be able to work Monday through Friday and work will mainly be performed at the Maitland location; occasional evening and weekend work may be required. Flexibility with work location and hours may be granted if circumstances permit.
Travel
Qualifications SummaryEducation
- Bachelor's degree in Finance, Accounting, or Business program.
Experience and Qualifications
- Minimum of 10+ years of banking with a minimum of 3 years credit and credit managerial experience in policy, analysis, loss mitigation/workout, loan servicing and regulatory compliance.
Other Knowledge & Skills:
- Strong analytical and presentation skills, strong managerial skills, team oriented.
- Detail orientation.
- Ability to set and adjust priorities as needed to meet critical deadlines.
- Proficiency in financial statement/credit analysis.
- Proficient in Word, Excel, Outlook, and financial analysis software.
Other Duties - Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.