Credit Officer

Description

As a Credit Officer you are responsible for contributing to the loan decision-making process and sound portfolio management by providing in-depth credit analysis on new and existing clients for Business Banking Officers and Loan Committees. Monitors complex loan files for adequate and current financial information and documentation. Directs the activities of credit analysts. Understands and completes job responsibilities in accordance with federal and state regulations.  

Essential Functions:

Credit Underwriting & Loan Portfolio Monitoring 35%

• Completes loan requests and reviews
• Analyzes financial information
• Identifies, requests, and tracks information needed to complete the credit analysis 
• Identifies and reports areas of concern
• Ensures compliance with federal, state, and bank regulations
• Reviews loan file for proper documentation
• Coordinates loan committee meetings including the agenda and minutes as well as package submission deadlines
• Prepares monthly and quarterly reports
• Monitors and makes recommendations for updates to Bank policies pertaining to the lending function 
• Completes appraisal and evaluation reviews
• Periodically completes property evaluations on commercial and residential properties
• Performs site visits as needed

Supervises Credit Analysts 40%

• Manages and assigns area workload
• Develops and monitors work plans that align with the Bank’s strategic goals
• Provides guidance, assistance, and resources to support individual and team performance
• Ensures high quality work that supports Bank’s credit standards

Shared Oversight of Technology and Systems within the Business Banking Department 15%

• Work with Manager to analyze department needs
• Assists with coordinating implementation teams
• Create processes and procedures relative to the Credit Analyst function
• Assist with the implementation of systems
• Maintain in good standing existing technologies and systems

Additional Duties & Responsibilities 10%

• Compiles audit information
• Orientates external examiners and responds to requests
• Serves on bank committees as needed
• Participates in internal and external training and development opportunities as required
• Other job related duties necessary to carry out the responsibilities of the position

Requirements

Work Relationships and Scope:

Works regularly with clients and co-workers. Works regularly with highly confidential business and client information. Regularly participates in bank events.

Performance Dimensions:

Quality, accuracy, reliability, thoroughness and timeliness of work performed and services provided to clients and co-workers; strong attention to detail; highly organized; keeps Bank and client information confidential; demonstrates friendly and helpful approach and attitude toward internal and external clients. Effectively communicates and develops good working relationships with all co-workers and clients; professional workplace appearance and conduct; honesty and integrity in all client and co-worker communications; reliability in reporting to work regularly and on time; understands Bank policies and procedures and applicable state and federal regulations. Remains current in field and utilizes that information where practical; participates in training and appropriate professional development. Demonstrates professionalism, commitment to the job, and loyalty to the Bank.

Knowledge, Skills and Abilities:

A 4-year college degree in accounting, finance, business or equivalent required. A minimum of 5 years accounting/finance related experience preferred. Banking experience required. Supervisory experience preferred. Must possess courteous and professional customer service attitude; excellent verbal and written communication skills; legible handwriting; ability to maintain the integrity of highly confidential client and Bank information. Must possess excellent mathematical skills up to and including statistical analysis; strong computer skills, technical ability to input and retrieve computerized information; strong organization and follow-up skills. Must possess ability to deal effectively with time pressures and stress that can change hourly depending on level of client activity. Must possess effective problem solving and technical research skills. Must be a self-starter and independent thinker.

Working Conditions:

Work is performed largely in an office environment with minimal chance for personal injury. Occasional out-of-town and overnight business travel (air or auto) is required for business and education. Regular mental and visual concentration for computer usage required. Regular use of telephone; frequent repetitive use of keyboard for approximately 6 hours per day. Requires ability to receive and provide detailed information through verbal communication. Requires near and mid-range vision. Will alternate sitting, standing, and walking throughout work shift. Bend, turn, lift, and carry up to 10 pounds of documents and office supplies. Climb stairs. Hours of work are generally during regular business hours. There will be some variation in work hours due to special projects, deadlines, community events, and other concerns.

Equipment Used:

Operates personal computer in a Windows environment for word processing, spreadsheets, e-mail, internet, and other bank specific software. Operates Silverlake core banking system. Utilizes a variety of office equipment including computer printer, ten-key calculator, fax, copy machine, and multi-line telephone.

Salary: $74,267 - $111,401 per year

EEO/AA Employer/Vets/Disability

Salary : $74,267 - $111,401