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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in structuring complex credit solutions for high-net-worth clients, ensuring compliance with regulatory requirements while driving portfolio growth and profitability. Strong ability to manage deal pipelines and collaborate with cross-functional teams to enhance client experience.
Highest-signal resume keywords
Complex Credit StructuringClient Relationship ManagementLoan Origination and UnderwritingFinancial Statement AnalysisRegulatory Compliance Knowledge
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit Advisory SolutionsLoan StructuringCommercial Lending ProductsFinancial Document AnalysisProbability ModelsRisk Mitigation StrategiesDeal Lifecycle ManagementWealth Lending SolutionsCredit Risk Appetite ManagementBusiness Development
Soft Skills
Oral Communication SkillsWritten Communication SkillsOrganizational SkillsDecision-Making SkillsNegotiation Skills
Certifications & Qualifications
Bachelor’s DegreeCFACFPFormal Bank Credit Training
Industry Keywords
High-Net-Worth ClientsUltra-High-Net-Worth ClientsCredit Portfolio GrowthLoan ProfitabilityFinancial MarketsCompliance IssuesLegal FundamentalsDeal ScreeningCredit PoliciesMarket Dynamics
About the role
Key responsibilities & impact- Serve as a geographically or segment-based, client-facing Structured Lending Advisor partnering directly with Wealth Advisors
- Recommend customized, complex credit strategies for high-net-worth and ultra-high-net-worth clients and prospects
- Provide loan structure and credit advisory solutions while ensuring a seamless end-to-end experience
- Achieve credit portfolio growth and loan profitability goals for supported markets
- Handle complex wealth borrowing structures and credit facilities for UHNW clients with AUM in excess of $25+MM and borrower credit needs potentially exceeding $100MM
- Support the Structured Lending Advisor team in complex business-purpose loan transactions
- Draft deal screening memos for early deal discussions
- Gather required information for loan origination and underwriting
- Manage the deal pipeline to ensure timely delivery of deals
- Facilitate the deal lifecycle from proposal to loan closing
- Serve as the first point of contact for Wealth Advisors and internal deal fulfillment partners
- Escalate backlogs and issues to advance transactions
- Build relationships as an active member of an advisor team
- Structure customized loan facilities, including commercial real estate, yacht/airplane financing, concentrated stock, structured securities-backed, and unsecured facilities
- Drive new business generation and manage pipelines for new and increased loan requests
- Balance client needs with bank revenue and asset-quality expectations
- Prepare deal sheet memoranda with loan structure, financial document analysis, probability models, rate recommendations, and risk mitigants
- Partner with credit portfolio, credit risk management, legal counsel, compliance, and other cross-functional teams
- Monitor industry trends, competitors, and loan market dynamics
- Act as a credit market ambassador for assigned regions and coach markets on profitability, credit policies, and procedures
- Identify credit-process gaps and improve credit solutions and client experience
Requirements
What you’ll need- Bachelor’s degree in business-related field, or equivalent education and training
- Five years of training and experience related to Lending Advisor role
- Experience evaluating a client’s financial statements and overall profile to structure complex, custom credits that are part of a client’s overall financial plan
- Familiarity with complex client entity structures, commercial lending products and/or complex, custom cash-flow based wealth lending solutions
- Excellent proven oral and written communication skills
- Strong client relationship skills and demonstrated ability to work with a team
- English language fluency required
- Ability to structure complex credits within prescribed credit risk appetite, procedures, and regulatory requirements
- Preferred: advanced degree or related industry designation (CFA, CFP, etc.)
- Preferred: completion of formal bank credit training program from a well-respected financial institution
- Preferred: knowledge of relevant legal, regulatory, and compliance issues
- Preferred: solid legal and loan structuring fundamentals
- Preferred: ability to operate independently with minimal supervision
- Preferred: ability to manage multiple deals simultaneously and different constituents depending on deal stage
- Preferred: strong organizational skills
- Preferred: strong decision-making skills and ability to balance business development and risk mitigation
- Preferred: strong negotiation and persuasion skills
- Preferred: knowledge of financial markets, products, and related transactions
Benefits
Comp & perks- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Accidental death and dismemberment coverage
- Tax-preferred savings accounts
- 401(k) plan
- At least 10 days of vacation during the first year of employment, prorated as applicable
- 10 sick days, prorated as applicable
- Paid holidays
- Defined benefit pension plan (depending on position and division)
- Restricted stock units (depending on position and division)
- Deferred compensation plan (depending on position and division)