DATE OF POSTING: August 7, 2008
GROUP/DIVISION, DEPARTMENT: CEBG/Communications Credit
LOCATION: Atlanta
REPORTS TO: Senior Manager Credit

Position Summary:

Analyzes the current, historical, and projected financial condition and repayment capacity of the bank's largest and most complex borrowers.  Prepares clear, substantive, credit reports for loan committee in conformity with bank policies and procedures.  Consults with lending or leasing staff and other origination channel contacts on appropriate loan structures.  Takes a leadership role in managing the credit origination process from application through final approval, closing, booking, and servicing.  Approves or co-sponsors credits within prescribed credit limits.  Adds value to account relationships and supports the achievement of profitability and credit quality goals through interactions with staff and customers. 

Knowledge and Skills:

Bachelor's degree business, finance, or relevant discipline and 8 + years credit experience in banking industry; or appropriate combination of education and experience.  Master’s degree such as MBA preferred.  Expert knowledge of complex lending, financial structuring and credit arrangements, and bank products.  Industry expert knowledge of credit and financial analysis, including cash flow analysis, balance sheet analysis, profitability, liquidity, and solvency analysis.  Advanced knowledge of Generally Accepted Accounting Principles (GAAP), taxation, legal forms of organizations, and business law.  Advanced knowledge of financial modeling techniques and preparation of pro forma financial statements.  Expert knowledge of credit underwriting policies, procedures, processes, collateral valuation, and documentation.  Advanced ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations.  Knowledge of specific assigned industry, including key risks and long‑term issues.  Advanced ability to use spreadsheet, word processing, and database applications.  Excellent interpersonal, negotiation, presentation, oral and written communication skills.

Other Requirements:

Advanced leadership and independent thinking skills.  Ability to consolidate many resources to complete the "deal."  Some travel required.