Jobs and Careers

OPX Sr. Credit Products Officer

Miami Lakes, United Statesfull_timeVerifiedPosted 30 Jun 2026

About the role

SUMMARY: A Credit Products Officer ("CPO") role specializes in reviewing and underwriting either Corporate and Industrial (C&I) or Commercial Real Estate (CRE) loan requests. This position is responsible for preparing complete and accurate credit analyses in a timely manner that meets or exceeds internal business partners' needs, customer expectations, regulatory requirements and leading industry practices. Accountability is required for protecting the Bank by providing an unbiased and objective view of the prospective borrower and thoroughly disclosing all identified risks. This position may also be responsible for the monitoring and ongoing maintenance of a portfolio, while supporting one or more Relationship Managers in this endeavor.

ESSENTIAL DUTIES AND RESPONSIBILITIES include the following. Other duties and special projects may be assigned.

New Money Underwriting Activities: * Determine financial information requirements -- Work with the Relationship Manager to obtain all necessary information to underwrite the credit request. * Prepare Spreads -- Prepare spreads within Moody's Credit Lens and other spreading tools and templates utilized by the Bank. * Perform borrower financial analysis -- Review and analyze borrower financial information including but not limited to: corporate financial statements, tax returns, and accounts payable and accounts receivable aging to determine borrower financial condition and develop cash flow analysis. * Perform guarantor financial analysis -- Review and analyze personal financial information for guarantors including personal financial statements, tax returns, real estate owned schedules, and liquidity statements to determine financial strength of guarantor. * Review new applications for completeness, proper loan structure, and adequate collateral, and condition the loan accordingly. * Review and analyze all 3rd party reports -- Obtain all 3rd party reports and include findings in analysis of financial condition of borrower or guarantor. * Underwrite ACH exposure: Underwrite ACH exposure for borrowing and non-borrowing clients. * Identify and mitigate critical risks and irregularities -- Work with Relationship Manager to identify and mitigate all risks and disclose in the credit approval memorandum. * Collaborate in credit structuring -- Work with the Relationship Manager to structure credit requests that serve the best interest of the customer and bank. * Determine Risk Ratings -- Complete all required risk rating models and analyses. * Complete Credit Approval Memorandum within the Loan Origination System. Ensure that the approval package is complete, and all supporting schedules / documents are uploaded into the Loan Origination System. * Complete Portfolio Management Activities as required for new money requests to existing Bank clients. * Deliver approval package to the appropriate Credit Officer. * Document approvals -- Once the credit package is approved, ensure all credit approvals and associated documents are obtained and properly documented within the Loan Origination System. * Prepare detailed Commitment Letters or Notices of Conditional Approval to communicate credit decisions to clients, as applicable. * Review and clear closing conditions, seeking approval by a Credit Officer, as applicable.
Post-approval Activities: * Finalize Credit Approval Package for Closing -- Ensure loan record is complete and forward to the Loan Closing Department. * Draft Post-Approval Change Memo -- Prepare Change Memo to document material and immaterial changes to the approved credit package, as needed.
Additional Portfolio Management Activities: * Manage financial ticker items - Collect and review financial statements and covenant compliance and borrowing base worksheets from corporate customers. * Assist the Loan Officer in reviewing draw requests associated with guidance lines of credit for equipment purchases. * Conduct ongoing credit assessments/reviews - Complete annual reviews as required on corporate lending relationships, confirming an electronic back-up of client's key financial records and documentation is maintained within the bank's systems of record. * Prepare quarterly Criticized Asset Reports where applicable. * Perform ongoing portfolio management - Seek out early warning signs of deteriorating credit trends and make ongoing assessments relative to credit risk ratings (both positive and negative). * Identify and communicate cross-sale opportunities to Loan Officers as applicable during review of updated annual financial information received. * Underwrite ACH exposure - Underwrite ACH exposure for borrowing and non-borrowing clients.
Other Activities: * On a case by case basis this position may be asked by their manager or the Loan Officer to participate in credit related calls with existin