Senior Capital Adviser

Analyze capital structures of clients; advise on appropriateness of structure vis-à-vis client's balance sheet, cash flow

Develop creative, innovative solutions to new client financings or restructurings within acceptable credit/risk parameters

Play lead role in credit approval process:

          Supervise credit approval memos/restructure memos

          Direct analysis, due diligence, credit presentation

          Approve credit transactions within authority

          Recommend risk ratings

          Recommend and review documentation and pricing

Responsible for business development and revenue growth by:

          Leading the credit marketing effort for the integrated private bank team

          Understanding the capital structure of existing clients and prospects and advising strategies/structures to optimize it

          Being attentive to identifying new business opportunities/asking for referrals

          Originate credit leads from existing clients and prospects and participate in new marketing initiatives with the Integrated Team

Balance objectives of client, new business generation and risk management

Underwrite and execute both loan and derivative structures (with credit risk therein)

Serve as primary contact on credit portfolio and/or key/complex borrowing relationships

Demonstrate credit/risk management discipline:

          Monitor portfolio risk

          Change debt structure/risk ratings in response to changes in risk

          Proactively work to improve portfolio quality and prevent loss