Job Description Summary

Under general direction with a high level of autonomy, uses extensive knowledge and skills obtained through education and experience to originate, structure and monitor a wide variety of the most complex tax-exempt loans and cultivate and manage key client relationships. Advises senior management on tax-exempt lending developments and issues. Influences strategic direction and develops tactical plans and completes complex assignments with substantial latitude for unreviewed actions or decisions in compliance with lending parameters. Provides comprehensive solutions to complex problems or needs. End results are evaluated for achieving goals and objectives. Extensive coordination with the Public Finance Group is required to develop, sell or service products to external tax-exempt customers.

Essential Duties and Responsibilities

• Develop and execute business strategies for tax-exempt banking, targeting state and local governments, municipalities, educational institutions and nonprofit organizations.
• Cultivate and manage relationships with key clients, acting as a trusted advisor.
• Obtains, interprets and evaluates financial information to determine credit worthiness.
• Understands and can negotiate complex loan structures and guaranty agreements, price loans and obtain necessary credit approvals.
• Handles difficult negotiations and credit assessments on an independent basis.
• Contacts customers and prospects to market bank deposit products.
• Monitors existing loans to ensure compliance with terms and takes corrective action on variances.
• Develops and maintains a balanced and sound loan portfolio in conformance with established policies, strategies and procedures.
• Creates a pipeline of business of secure, profitable loans and deposits.
• Provides guidance and direction to less experienced lenders in analyzing financial data and evaluating credit worthiness.
• Interprets, applies and recommends changes to credit policies and procedures.
• Advises senior management on complex tax-exempt lending issues.
• Performs other duties and responsibilities as assigned.

Knowledge of

• Advanced structures, concepts, practices and procedures of tax-exempt lending.
• Deep knowledge of tax-exempt entities to include understanding of the financial structures, funding sources, and regulatory environment of state and local governments, municipalities, school districts and nonprofit organizations.
• Established organizational policies, strategies and procedures for tax-exempt lending.
• Principles of banking and finance.
• Financial markets and products.

Skill in

• Analyzing financial information and determining credit worthiness.
• Interpreting and applying credit policies and procedures.
• Developing credit policies
• Marketing bank deposit products.
• Negotiating tax-exempt loan terms.
• Maintaining a customer and prospect database.
• Developing and maintaining a loan portfolio.
• Structuring and pricing tax-exempt loans.
• Verifying customer compliance with terms
• Operating standard office equipment and using required software applications.

Ability to

• Provide guidance and direction to less experienced lenders.
• Provide advice and counsel on complex lending issues.
• Attend to detail while maintaining a big picture orientation.
• Gather information, identify linkages and trends and apply findings to assignments.
• Interpret and apply policies and identify and recommend changes as appropriate.
• Prioritize and manage multiple priorities in a fast-paced, dynamically changing environment.
• Communicate effectively, both orally and in writing.
• Work independently as well as collaboratively within a team environment.
• Lead others in providing a high level of customer service
• Establish and maintain effective working relationships with external customers.
• Maintains currency in tax-exempt lending policies, practices and procedures.

Travel

Less than 25%

Workstyle

Hybrid

At Raymond James our associates use five guiding behaviors (Develop, Collaborate, Decide, Deliver, Improve) to deliver on the firm's core values of client-first, integrity, independence and a conservative, long-term view.
We expect our associates at all levels to:
• Grow professionally and inspire others to do the same
• Work with and through others to achieve desired outcomes
• Make prompt, pragmatic choices and act with the client in mind
• Take ownership and hold themselves and others accountable for delivering results that matter
• Contribute to the continuous evolution of the firm

At Raymond James – as part of our people-first culture, we honor, value, and respect the uniqueness, experiences, and backgrounds of all of our Associates. When associates bring their best authentic selves, our organization, clients, and communities thrive. The Company is an equal opportunity employer and makes all employment decisions on the basis of merit and business needs.

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