Credit Officer II - Energy

Key responsibilities include underwriting, monitoring, managing operational needs and/or client requests. Job expectations include credit-focused client management responsibilities, independent thought leadership, strong leadership skills, the ability to provide feedback to less experienced teammates and may also manage a team.

Responsibilities will also include supporting commercial and large corporate client relationships within the Energy industry.

- Partners with relationship management and product partners to assess clients' credit needs and create solutions - Leads loan structure conversations and negotiates loan documentation with clients and internal/external legal partners - Drives credit and risk approval processes for new credit originations, renewals, increases, and modifications - Leads ongoing monitoring efforts for a portfolio of clients in compliance with regulations, policy and procedure - Drives the growth of funded loans and revenue while mitigating risks, maintaining asset quality and adhering to regulatory

requirements - Serves as an escalation point for complex credit transactions - Mentors and supports associates - Negotiates credit and trading documentation, including loan credit agreements and amendments, ISDAs, and CSAs - Establish appropriate internal risk ratings for clients and implement accurate adjustments throughout the client's credit lifecycle. - Develop, maintain, and manage internal relationships with various business partners, including those in Corporate and Investment Banking, Sales & Trading, Risk Management, Syndications, and Legal

- 10+ years of progressively responsible experience in the job offered, or a related Finance occupation - Strong preference for individuals with relevant experience within the Energy industry - Credit Officer evaluates large and sophisticated credit exposures across oil & gas, midstream, refining and marketing, oilfield services, and power & utilities sectors - Assist in the management of criticized and classified assets by providing analysis and formal credit recommendations. - Partners with Relationship Managers, and Risk partners to facilitate timely credit decisions - Ensure compliance with lending policies, credit procedures, and regulatory expectations - Strong understanding of energy market dynamics and Energy industry-specific risk factors, financial statement analysis, cash flow analysis, and commercial credit, credit structures, cash management and traded products - Excellent analytical, decision-making, and problem-solving skills. - Strong written, verbal, and presentation skills. - Proficiency in Microsoft Office applications, particularly Word, Excel and PowerPoint.

- Bachelor's degree or equivalent in Business Administration, Finance, Economics, Accounting, or related experience - Strong ability to assess credit risk, evaluate complex lending structures, and recommend appropriate terms, covenants, and collateral requirements. - Expertise in analyzing financial statements, cash flow projections, leverage, liquidity, repayment capacity, and overall borrower creditworthiness. - Knowledge of energy transition trends , and evolving regulatory requirements.