At CoBank, the Senior Credit Officer – Leasing analyzes the current, historical, and projected financial condition and repayment capacity of the bank’s largest and most complex borrowers, and evaluates the largest and most complex leases. They prepare clear, substantive, credit reports for loan committee in conformity with bank policies and procedures. This individual consults with lending and/or leasing staff within the bank, develops and maintains relationships with origination channel contacts, develops and recommends appropriate lease structures, and prepares the closing requirements. The Senior Credit Officer – Leasing takes a leadership role in managing the credit origination process from application through final approval, closing, booking and servicing. They also approve or co-sponsor credits within prescribed credit limits, and in addition, add value to account relationships and support the achievement of profitability and credit quality goals through interactions with staff and customers.
Bachelor’s degree in business, finance, or relevant discipline.
8+ years credit experience in the banking industry, or appropriate combination of education and experience.
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.
Master’s degree or MBA preferred.
Advanced ability to perform discounted cash flow analysis, capital budgeting (internal rate of return, net present value, etc.), and equity valuation calculations.
Knowledge of applicable spreadsheet, word processing, and database applications.
Excellent interpersonal, negotiation, presentation, oral and written communication skills.
Advanced leadership and independent thinking skills.
Ability to incorporate information from many sources to identify underwriting risks and articulate a concise recommendation.
Experience with commercial real estate lending approvals and documentation.
Some travel may be required.
CoBank stands strong as a $125 billion enterprise dedicated to the financial needs of rural communities. That means we help fund new ways to grow food, generate energy, access technology, and otherwise improve life in America. When you choose a career with us, you make a difference by standing for something that matters. A career at CoBank can offer you the opportunity to make a personal impact on the people and communities where we do business. We also provide competitive compensation, health and wellness benefits, company-funded retirement plan, matching 401(k), and professional development programs.