Msco - Managing Senior Credit Officer - Commercial Real Estate (Retired)
My responsibilities include:- Assists commercial real estate lending officers in structuring loan transactions and approving credit; - Individual credit authority of $15MM; assist the Regional Credit Executive and Chief Credit Executive on proposed loans and approvals in excess of $15MM;- Ensure safe and sound lending practices through ongoing monitoring of the New York Region's commercial real estate portfolio;- Participates in deal discussion meetings and evaluates policy exceptions and modifications; - Assists in the updating of credit policy and procedures of the Bank;- Works closely with portfolio managers and lending officers to identify and mitigate risks in the assigned commercial real estate portfolio;- Responds to various inquires, provide information and explanations and hold discussion meetings with internal credit review and regulatory agencies;- Participate in property site inspections and borrower meetings as part of newly proposed loan review and monitoring activity of existing portfolio; - Work with portfolio management and lenders with respect to annual loan reviews, extensions, renewals, and covenant compliance.