Facilitate the end-to-end lending process within the US CCB for the assigned relationships and portfolio Knowledgeable of assigned portfolio and industry, and able to articulate and support a credit view based on well-supported analysis that effectively balances risk and business objectives Ensure appropriate regulatory classification and minimizing net credit losses for covered portfolio, as well as identify emerging areas of concerns that should be escalated Provide accountability for decisioning using credit covering approval authority in tandem with Independent Risk Directly manage the analysis and workflow of underwriting requests for new-to-bank and existing credit relationships, including pre-screening opportunities, facilitate amendments and extensions, perform annual reviews and other credit requests, including the related diligence Lead the timely analysis and preparation of monthly and/or quarterly financial memo reviews of existing borrowers to track compliance with loan covenants, raising potential concerns and taking necessary actions in partnership with other key stakeholders for the assigned portfolio Direct and supervise the loan documentation process for both new transactions and amendments or modifications; including coordination with internal partners and/or outside legal counsel to ensure that all credit approval terms and conditions are appropriately represented in the closing documents Conduct periodic client calls on all portfolio clients and select new to bank opportunities in partnership with the Relationship Manager Develop and maintain an extensive knowledge in the various credit products and services offered to CCB clients Mentor and develop junior staff to become effective resources and future Credit Officers and Bankers Recommend changes to improve existing processes to achieve greater efficiency and controls Work proactively, and in a constructive and diplomatic manner, with internal and external stakeholders to keep transactions moving forward and in accordance with appropriate controls 6-10 years of experience in credit underwriting, portfolio and/ or risk management with a large multinational financial services organization Demonstrated knowledge of intermediate accounting theory and its practical application in the credit underwriting process Excellent communication (written, verbal, presentation and listening) and organizational skills; ability to complete multiple priorities in a timely manner Strong credit sense and ability to articulate a view, work across a range of credit products, with experience in early problem recognition and resolution skills Demonstrates learning agility: Seeks out resources and experience to continually build knowledge/skills; quickly and successfully applies learning to new situations Reaches decisions in a timely and transparent manner, knows when enough information has been collected to make sound decisions, takes calculated risks with the confidence to defend their credit view Proficient in various spreadsheet and word processing applications Bachelor's/University degree Economics, Accounting, Finance, Mathematics, Data Science, Business, Engineering, Computer Science, or other quantitative field.

Master's degree preferred Analytical Thinking, Constructive Debate, Escalation Management, Financial Analysis, Policy and Procedure, Policy and Regulation, Product Knowledge, Risk Controls and Monitors, Risk Identification and Assessment. ------------------------------------------------------ For complementary skills, please see above and/or contact the recruiter. ------------------------------------------------------ Anticipated Posting Close Date: Jan 29, 2026