Lead Credit Officer - Asset Wealth Management - Senior Associate

Aumni; Columbus (OH); On-site; USD 95,000 - 135,000; Full time

Job summary

Aumni is seeking a Senior Associate Credit Approver in its Wealth Management Risk team in Columbus, OH. You will evaluate complex client and transaction data and provide independent credit risk assessments to support management decisions in commercial lending and related transactions.

You will oversee credit analysis, apply risk policies, and collaborate with bankers, underwriters, and risk professionals to ensure responsible lending while staying aligned with regulatory standards and firm

Qualifications

• Bachelor's degree in business or finance.
• 3 years CRE lending or 5 years in banking/finance.
• Strong understanding of multifamily property valuations and cash flow analysis.
• Strong financial analysis of cash flows, valuations, and personal financial statements.
• Ability to manage competing priorities in a high-volume, detail-focused environment.
• Excellent verbal and written communication.
• Ability to prioritize and plan credit analysis tasks.
• Familiarity with regional CRE markets and municipal regulations.
• Proficiency in Word, Excel, PowerPoint; adaptability to proprietary systems.

Responsibilities

• Oversee credit analysis and risk evaluation for loans governed by Credit Risk Policies and Guidelines.
• Evaluate and manage risks in each transaction.
• Build and maintain relationships with internal stakeholders including sales, processing, closing, and legal.
• Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities.
• Apply data analysis techniques to interpret results and provide insights and recommendations to management.
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
• Monitor industry trends and best practices in credit risk management to enhance decision-making.

Skills

Credit risk analysis

Financial analysis

Communication

Time management

Collaboration

Regulatory knowledge

Problem solving

Prioritization

Education

Bachelor's degree in business/finance

Advanced degree in a related field

Tools

Microsoft Word

Excel

PowerPoint

Proprietary risk tools

Proprietary systems

Job description

Wealth Management (WM) provides advice, strategies, and solutions to address the complex financial, lending, and wealth transfer needs of high net worth and ultra-high-net-worth clients. As part of Risk Management and Compliance, the WM Credit Risk team provides independent oversight of credit risk across a broad range of lending products and client transactions, supporting responsible business growth while adhering to the firm's risk appetite, policies, and regulatory standards.

As a Senior Associate Credit Approver in the WM Credit Risk team, you will evaluate and identify risks, analyze complex client and transaction data, and provide independent credit risk assessments to support management in making well-informed credit decisions. The role includes oversight of consumer and business-purpose lending transactions secured by products governed by Credit Risk Policies and Guidelines, ensuring consistent application of risk standards and sound credit judgment while partnering closely with bankers, underwriters, and risk professionals across Wealth Management.

Job Responsibilities:

• Oversee credit analysis and risk evaluation for loans secured by products governed by Credit Risk Policies and Guidelines
• Evaluate and manage risks in each transaction
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal
• Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities
• Apply data analysis techniques to interpret results and provide insights and recommendations to management
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools
• Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge

Required qualifications, skills and capabilities:

• Bachelor's degree in a business or finance concentration
• 3 years of experience in commercial real estate lending or 5 years of other banking or finance experience
• Thorough understanding of multifamily real estate property valuations and cash flow analysis
• Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements
• Ability to manage competing priorities effectively in a collaborative, high volume environment while maintaining attention to detail
• Excellent verbal and written communication and problem-solving skills
• Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed
• Familiarity with regional commercial real estate markets and municipal regulations
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems

Preferred qualifications, capabilities, and skills:

• Advanced degree in a related field
• Experience with proprietary credit risk management tools.
• Experience with large language model tools

Advise clients on complex financial needs, ensuring responsible lending and sound risk management with expert, personalized support.