The Regional Credit Officer is responsible for ensuring an effective and efficient commercial credit underwriting function by coordinating work within the department to meet the expectations of our existing and future business customers. This includes managing the Credit Analysts I & II, Senior Credit Analysts, and Administrative Analysts, providing detailed financial, market and industry analysis, assessing credit risk within both proposed commercial loan requests and existing commercial loan portfolio, and managing the Bank's commercial appraisal process to assure compliance with regulatory requirements. The role also involves providing alternative solutions through structure, conditions and covenants to mitigate risk, ensuring the department's compliance with operating policies and procedures and outside regulatory requirements, and effectively communicating with both internal & external bank customers.