International Lending Officer

The International Lending Officer plays a critical role in managing the lending process for commercial loans within the International Departments portfolio. This position independently oversees the lending aspects ensuring seamless operations client satisfaction and compliance with regulatory standards. The Lending Officer exercises discretion and independent judgment in analyzing complex financial information negotiating loan terms and collaborating with various departments to facilitate loan funding and compliance.

As a key partner to Relationship Managers (RMs) the Lending Officer collaborates closely with them to manage both new and existing commercial loans ensuring effective and efficient portfolio management. The Lending Officers responsibilities require expert knowledge of banking products and services involving a high level of independent decisionmaking and problemsolving to ensure a superior client experience while managing the full loan lifecycle.

This position also contributes to the broader strategic goals of the organization including business development client retention and risk management by engaging with clients and internal teams to deliver tailored lending solutions.

Principal Duties & Responsibilities:

• Independently monitors and manages the portfolio of commercial loans from IPB ensuring compliance with bank policies and identifying areas of potential risk improvement or opportunity for portfolio optimization.

• Independently analyzes creditworthiness by conducting detailed financial statement analysis evaluating the credit risk against bank standards and making informed decisions on loan approvals modifications and renewals.

• Oversees the ongoing administration of loan requirements including ticklers covenants and annual reviews ensuring operational efficiency accuracy and compliance with regulatory standards.

• Collaborates directly with clients to assess complex financial issues propose solutions and advocate for appropriate credit structures and services providing expert advice and building strong relationships.

• Structures and completes both secured and unsecured business loans ensuring alignment with client goals and bank risk tolerances and making key decisions on credit terms and conditions.

• Prepares comprehensive loan proposals and develops customized sales strategies leveraging deep knowledge of banking products to align with client needs and achieve bank objectives.

• Delivers exceptional client service by independently resolving client inquiries and concerns ensuring seamless loan operations and enhancing the overall client experience.

• Evaluates business management industry financial and structural risks documenting assessments comprehensively in credit approval documents and ensuring they align with the banks risk profile.

• Cultivates and sustains strong relationships with clients RMs and internal partners fostering business development client retention and loyalty and contributing to the growth of the banks commercial loan portfolio.

• Maintains expertlevel knowledge of all bank products and services utilizing this expertise to crosssell and enhance client relationships ensuring alignment with client needs and strategic goals.

• Organizes and leads complex sales initiatives including customized proposal generation to meet both client and bank objectives while making independent decisions on structuring deals.

• Partners with Relationship Managers (RMs) to conduct client visits providing onsite servicing fostering relationshipbuilding and identifying new business opportunities to support the achievement of set goals.

• Engages with Risk Partners Sales Directors/Managers or other Line of Business (LOB) partners during joint appointments to advance client solutions ensuring alignment with broader bank objectives and risk management strategies.

• 57 years of experience in commercial banking.
• 2 years of experience in bank lending including credit analysis.

• Proven ability to independently manage an extensive portfolio of clients.

• Strong corporate finance and accounting acumen including financial modeling experience.

• Expertise in evaluating creditworthiness and risk across various industries.

• Demonstrated ability to cultivate and sustain client relationships.

• Outstanding oral and written communication skills with experience presenting to decisionmaking committees.

• Strong problemsolving skills and the ability to propose effective solutions for complex client needs.

• Proficient in Microsoft Office Suite (Word Excel Outlook) and financial analysis tools.

• Exceptional organizational skills with the ability to manage competing priorities and meet deadlines.

• Professional sales skills including planning and followup of client engagements.

• Bachelors Degree in Business Administration Finance or a related field required.

• Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities.
• Please view Equal Employment Opportunity Posters provided by OFCCPhere.
• The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about discussed or disclosed their own pay or the pay of another employee or applicant. However employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information unless the disclosure is (a) in response to a formal complaint or charge (b) in furtherance of an investigation proceeding hearing or action including an investigation conducted by the employer or (c) consistent with the contractors legal duty to furnish information. 41 CFR 601.35(c)
• Reasonable accommodation may be made to assist individuals with disabilities to complete the online application process. Please contact our Human Resources Department ator by email at.