Кадровое агентство IT-Com

Банки и инвестиции

Категория "Банки и инвестиции"

Код вакансии: 07.055

Вакансия: Workout and Restructuring Expert

Компания: Western bank / Leasing company

Место работы: Moscow

Требования:
Knowledge and Skill Requirements:
Two years prior commercial loan workout/special assets experience or a combined Five years experience in special assets and commercial and SBA lending, or equivalent outside experience or training.
Knowledge of foreclosure and bankruptcy law.

Educational Requirements:
A Bachelor’s degree in business, finance or related field preferred.
Strong commercial credit underwriting skills.

Other Skills required:
Strong knowledge of best practice operating procedures from servicing, collections and workouts. Must have excellent negotiation skills. Must have strong decision-making skills. Must have strong customer service/interpersonal and problem solving skills
High attention to detail and the ability to work at a high level of productivity without supervision within established timeframes. Ability to assess basic business financial statements and tax returns to restructure commercial credits accordingly. Experience and knowledge of Russian bankruptcy laws. Understanding of legal remedies available in loan default scenarios and ability to work effectively with outside attorneys. Strong problem-solving skills. Strong analytical, oral and written communication skills. Knowledge of banking & leasing principles, policies and procedures. Computer literate with a understanding of Microsoft Office programs and Excel. Ability to establish and maintain effective work relationships both internally and externally.
Language: Russian and English fluently.

Обязанности:
PURPOSE OF JOB:
Collection of commercial loans for Commercial Vehicle Leasing. Manage a portfolio of problem commercial loans to maximize recovery to the Company. Responsible for loan analysis, development and oversight of loan workout action plans, initiating and proposing restructures on assigned loans, managing repossession and commercial liquidation activities on assigned loan workouts.

ESSENTIAL DUTIES:
Manage a portfolio of substandard loans, to include initiating and or assisting in the development of timely workout action plans, follow up on action plans to ensure effectiveness, evaluating the Company collateral position and documentation, and recommending alternative workout solutions as needed to minimize bank/leasing losses. Day-to-day collection work with primary emphasis on commercial loan collection activities and direct follow up with lenders and borrowers. Act as liaison and work closely with Commercial Vehicle Brand Partner, Regional Authorities and other Operating Entities of the Group

• Initiate and propose prudent commercial loan restructures within the Company policies to ensure collection of assigned loans. Ensure timely implementation of restructures as approved.
• Oversee workout action plans to be certain that feasible plans are implemented timely, and follow up to ensure progress.
• Conduct meetings with borrowers, guarantors, brand partners and attorneys to negotiate workout plans.
• Manage legal actions related to assigned commercial loans in bankruptcy or foreclosure.
• Properly mange charge off recommendations to management.
• Provide support and guidance to the team in working with problematic customers.
• Actively go on field calls to inspect equipment and liquidations of collateral as necessary.
• Review/audit credit quality of files to determine appropriate course of action.
• Responsible for periodic credit write up on accounts for management review.
Periodically analyze financial statements and related materials to make recommendations.
• Prepare to liquidate collateral on short notice when applicable.
Manage the collection activities on assigned accounts, to include but not limited to account officer follow up, direct customer contact, fee waivers, approval of payment deferrals, and oversight of the posting of late payments on assigned loans. Make recommendations to foreclose, repossess or liquidate collateral when applicable.

PERIODIC DUTIES:
Perform physical business site inspections.
Assist with the preparation of month-end delinquency and provisioning reports.
Assist with the preparation of regulatory classification report.
Coordinate business asset liquidations.
Prepare monthly reports for senior management.

WORKING CONTACTS WITH OTHERS:
Internal: Daily interaction with the Company personnel at all levels.
External: Frequent contact with commercial loan customers, attorneys, realtors, collectors, court authorities.

SPECIFICATIONS:
Responsibilities for funds, equipment, other assets:
Responsible for conducting special assets negotiations in a manner conducive to maximizing the bank’s & leasing recovery of delinquent funds on commercial loans. Errors in assessments or timeliness of actions can result in significant dollar loss to the bank & leasing



Адрес IT-Com:
г. Санкт-Петербург,

Набережная Черной речки, дом 15,

Кадровое агентство IT-Com / IB-Com © FinS.ru