What are the responsibilities and job description for the Senior Branch Credit Officer position at fnbalaska?
GENERAL PURPOSE SUMMARY
Provides expert-level credit analysis, portfolio management, and strategic guidance for the Bank’s combined branch lending. Researches and makes recommendations for the purchase of outside loan portfolios; provides strategic portfolio management of Bank’s BHG loan holdings; assists in the evaluation of participation loans; prepares the highest level of credit presentations for complex and high-value loans originated from the branch network and ensures all credit recommendations are sound, compliant, and align with the Bank’s risk appetite and strategic goals by performing the following essential duties and responsibilities:
ESSENTIAL DUTIES AND RESPONSIBILITIES
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Manages and is responsible for the overall direction, coordination, and evaluation of assigned staff. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; may recommend the termination of employees.
Provides expert-level credit analysis, portfolio management, and strategic guidance for the Bank’s combined branch lending. Researches and makes recommendations for the purchase of outside loan portfolios; provides strategic portfolio management of Bank’s BHG loan holdings; assists in the evaluation of participation loans; prepares the highest level of credit presentations for complex and high-value loans originated from the branch network and ensures all credit recommendations are sound, compliant, and align with the Bank’s risk appetite and strategic goals by performing the following essential duties and responsibilities:
ESSENTIAL DUTIES AND RESPONSIBILITIES
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Evaluates borrowers’ financials, collateral, cash flow and repayment capacity; identifies key risks; prepares and presents high-level credit analyses for complex and large commercial loans; and provides expert recommendations to senior and executive loan committees for appropriate structures..
- Oversees and manages the Banks’s BHG loan portfolio, analyzes performance, yield and risk exposure; provides analysis of subcategories of the loan portfolio, branch profitability and other units within the Bank; and recommends strategies to leverage and optimize BHG holdings within the Bank’s overall loan portfolio to achieve diversification and profitability goals.
- Conducts detailed due diligence, assesses credit quality, pricing and performance on prospective outside loan portfolios, works with lending, accounting and risk management to ensure successful portfolio acquisition and integration; and monitors acquired portfolios to ensure ongoing compliance and performance standards are met.
- Assists with the evaluation/underwriting of the Bank’s participation loan activities, including partner performance documentation review and adherence to participation agreements; and coordinates with corporate credit officers and credit administration on shared national and multi-bank transactions as needed.
- Participates in limited business development efforts in coordination with branch lending teams to support relationship growth and loan portfolio expansion; and represents the credit administration function in lender calls and customer meetings when complex financial or structural discussions are required.
- Ensures adherence to all Bank credit policies, underwriting standards, and regulatory requirements; identifies opportunities to improve credit processes, documentation, and risk analysis methods; and recommends credit policy enhancements to maintain alignment with best practices and regulatory expectations.
- Collaborates with the Chief Credit Officer/President - Lending & Administration on credit strategy, concentration management, and policy adjustments; monitors branch loan portfolio performance to identify early signs of credit deterioration or concentration risk; and identifies opportunities to improve credit processes, documentation, and risk analysis methods.
- Works closely with branch lending teams, loan operations, compliance, and executive management to maintain credit quality and process consistency; and provides technical guidance on complex loan structures and regulatory interpretations.
- Promotes sound credit culture and supports the Bank’s commitment to high quality, relationship-based lending.
- Performs other work-related duties as assigned by supervisor.
- Ensure business unit’s operations comply with bank policy, procedures, and banking regulations (for business unit heads).
- Ensure you and your delegates have adequate and current compliance training, and ensure training is completed on time.
- Stay up-to-date on relevant laws and regulations.
- Ensure you and your delegates comply with the bank’s policies, procedures, laws and regulations.
- Maintain customer confidence and protect the bank’s operations by you and your delegates identifying and protecting confidential information.
Manages and is responsible for the overall direction, coordination, and evaluation of assigned staff. Carries out supervisory responsibilities in accordance with the organization's policies and applicable laws. Responsibilities include interviewing, hiring and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems; may recommend the termination of employees.