Job Description
It's about interactions more than transactions.
Are you ready to facilitate all the moving pieces to help deliver a top-quality experience? Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in everchanging fast paced environments? If so, being a Credit Risk Officer with Frost could be for you.
At Frost, it's about more than a job. It's about having a flourishing career where you can thrive, both in and out of work. At Frost, we're committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you'll become part of Frost's over 150-year legacy of providing unparalleled financial services.
Who you are:
As a Credit Risk Officer , you are our key support. You will be responsible for responsible for the review and approval of loans and credit limits, under little oversight, within various product areas for commercial banking relationships. You will evaluate the structure of the loan, ensuring an appropriate product type and level of credit is extended to the borrower with a credit approval limit of up to $10 million. More than that, this role is about building relationships and doing so with integrity, caring, and excellence in mind.
What you'll do :

• Review credit limit requests to include: appropriateness of product type, overall level of credit extension, borrower's ability to repay, loan package conforms to organizational standards, and affirmation of risk grade
• Monitor various lending team portfolios for credit risk issues, including but not limited to: exception reporting, past dues, loan agreement compliance, trend analysis, and identification of emerging risks
• Expected to ensure the efficient delivery of credit risk to promote an excellent customer experience both internally and externally
• May act as a source of knowledge to assist in identifying relevant content for credit education programs
• Attend client and prospective client meetings to provide a credit perspective
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What you'll need:

• Bachelor's degree, preferably in Finance or Accounting
• 7 years of banking experience, with completion of a formal credit training program or equivalent knowledge of credit analysis and secured lending
• Demonstrated, successful experience approving credit risk
• Excellent written and verbal communication skills
• Proficient in Microsoft computer applications

Additional Preferred Skills:

• 10 years of experience with time as a relationship manager

Our Benefits:
At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program more!

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas. Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction. At Frost, it's about being part of something bigger. If this sounds like you, we encourage you to apply and see what's possible at Frost.