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Job Description

Summary of the Position:

The Senior Credit Officer’s (SCO) primary responsibility is to assist the Chief Credit Officer (CCO) in structuring and approving loans, supervise the CRE Team Leads for CRE Underwriting and CRE Risk, oversee loan review and audit preparation activities, special projects as assigned, and ongoing monitoring and management of credit risk within the CRE loan portfolio.

Primary Functions of the Position:

• Provide structuring input on new transactions, modifications, and refinancings.

• Review potential transactions and offer relevant advice on structuring and other terms of the transaction.

• Provide leadership and guidance to Team Leads (TLs), RMs and PMs in deal structuring throughout the underwriting process and life cycle of the loan.

• Ensure compliance with policy and standards or mitigants for exceptions.

• Portfolio Management of all CRE loans

• Work with TLs and their direct reports to provide a quality underwriting product exhibiting detailed, accurate, and informative credit analysis.

• Ensure proper staffing for timely underwriting, approval, portfolio maintenance, and periodic reviews.

• Facilitate credit training for Portfolio Managers (ongoing and as needed)

• Manage the risk and exposures within the CRE portfolio on an ongoing basis utilizing exposure limits and identifying exceptions to developed strategies.

• Keep up to date with market developments affecting the associated lending sector, e.g. regulatory issues or weakness/stress in particular asset classes and assess the impact on the TSC credit process and portfolio management.

• Comfortable engaging directly with clients and senior bank management and taking ownership of the portfolio.

• Act as a Subject Matter Expert (SME) to offer guidance and expertise to more junior team members

• Chair Periodic Review meetings for Commercial Real Estate.

• Involvement in governance committees as required.

• Loan approval authority as defined within Credit Policy and Standard

• Involved in various committees or projects related to areas of expertise

• Assist CCO as needed with third party loan review, regulatory exams, and other internal / external audits.

Education and Experience Requirements:

• Minimum 8 years of relevant work experience preferably within a credit or credit risk function.

• Progressive managerial experience in credit policy, regulatory compliance, credit underwriting, portfolio management, and structuring/decisioning of commercial, commercial real estate, equipment leasing and private banking credit.

• Advanced knowledge of bank accounting, regulations, legal documentation, policies and procedures as it applies to the lending function.

• Bachelor’s degree preferably in Business, Finance or Accounting.

Essential Skills and Abilities:

• Strong managerial, communication. and presentation skills.

• Ability to be collaborative, influence and build partnerships with all stakeholders.

• Ability to steer decisions through discussions with the business units incorporating the bank’s credit philosophy and risk appetite.

• Ability to manage deal volume in a fast-paced environment

• Demonstrated sound judgment, analytical, structuring and decision-making skills.

Education

Bachelor’s: Accounting, Bachelor’s: Business Administration, Bachelor’s: Data Processing

Work Experience

Manager Experience - 3 to 6 years

Certifications

Certified Anti-Money Laundering Specialist (ACAMS) - Association of Certified Anti-Money Laundering Specialists (ACAMS)

Travel

Workstyle

Resident

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.

We expect our associates at all levels to:

• Grow professionally and inspire others to do the same

• Work with and through others to achieve desired outcomes

• Make prompt, pragmatic choices and act with the client in mind

• Take ownership and hold themselves and others accountable for delivering results that matter

• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

TriState Capital Bank is an EOE/AA and VEVRAA Federal Contractor

Priority will be given to protected veterans

EOE/AA: Female/Minorities/Disabled/Protected Veterans/LGBT