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Position:AVP – Commodities MarketingJob Purpose:This incumbent will lead the transaction underwriting and portfolio management function in support of the originations team covering a portfolio of commodity clients by managing the credit analysis and risk assessment process, managing interactions with clients and agent banks, liaising with internal teams and approval committees for credit requests, and managing closing process for loans/commitments.Job Responsibilities:Transaction Underwriting & Portfolio Monitoring• Oversee the credit analysis and review process for a portfolio of accounts• Carry out financial and credit risk analysis based on company, industry, market and competitor research• Evaluate risk aspects of transaction terms and conditions consistent with Bank policies• Prepare credit reports in liaison with account officers and interact with various departments including credit risk and presenting recommendations to approval committees• Manage the covenant review and collateral monitoring process for asset-based loans• Manage a portfolio of accounts maintaining customer files, managing KYC requirements, conduct post-lending monitoring by analyzing interim and annual financials to address periodic reviews or specific client requests while interacting with credit risk and other departmentsManaging Client Relationships• Identify and originate new client relationships• Identify credit needs of the client and determine appropriate product choice to satisfy these needs and obtain credit limits in accordance with the Bank’s guidelines• Maintain active calling schedule and prepare call reports• Negotiate credit agreement, term sheets/pricing/trade confirmations, and monitor clients credit status and business activities• Prepare credit proposals and conduct financial analysis review for credit proposals• Assess profitability and risk of new loans and other products• Coach junior staff and stay abreast of and analyze the industry and market developmentsProduct Marketing• Originate business from target/existing clients• Determine product pricing by utilizing market research data and pricing guidance from the Bank• Cross-sell Bank products and deposit services, identify cross-selling opportunities and improve wallet share and risk/reward ratio• Provide updates to management about marketing efforts, deals in pipeline and closed transactionsCompliance and Risk Management• Develop new products and onboard new customers in line with the Bank’s risk appetite statement• Comply with departmental procedures for KYC and Credit Risk Control (including underwriting and post-lending monitoring), Bank policies (such as Credit Risk, Compliance, New Product Management), and applicable laws, including BSA/AML and OFAC• Set up customer profile and update/review in a timely manner• Comply with departmental compliance and risk control procedures when accepting customers’ transactions• Detect red flags/ unusual activities and inform Middle Office, escalating as necessary• Keep abreast of compliance knowledge by attending trainings and seminars• Actively identify incidents outside of established policies/ products, and report to management promptlyOther• Support Middle Office in post lending management of transactions, collateral management and portfolio management issues• Maintain professional and technical knowledge by attending educational workshops; reviewing professional publications; establishing personal networks; participating in professional societies• Prepare presentation materials for training, marketing events and meetings• Conduct trainings as needed, and supervise team members to ensure effective credit analysisJob Requirements:• Bachelor’s Degree preferred in Finance/ Economics/ Accounting/Engineering/ Sciences/ Liberal Arts, MBA preferred• At least 3-5 years of experience, including minimum 2-3 years in investment/commercial banking, 2-3 years in a product manager or relationship manager role, 2-3 years of credit analysis, loan underwriting and portfolio monitoring experience, as well as 2 years of commodity financing experience• Demonstrate excellent communication and relationship management skills• Demonstrate solid financial and credit analysis skills, as well as ability to read, write, analyze and interpret general business documentsThe salary range for the AVP position is $65,000-$150,000. Actual salary is commensurate with candidate’s relevant years of experience, skillset, education and other qualifications.