Credit Officer II
About The Position
The Credit Officer II has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for businesses and individuals. Based on the credit request and analysis of the business or individual, the Credit Officer provides the bank with an accurate, clear and concise written credit request (report of Credit Extended- RCE). The Credit Officer II will work with a range of credits from the most basic, to the moderately complex. May assist and train junior credit officers/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
Requirements
- Bachelor’s degree (B.A) from four year college or university
- a minimum of five years related experience and/or training
- Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
- Ability to write reports, business correspondence, and procedure manuals.
- Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
- Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
- Ability to apply concepts of basic algebra and geometry.
- Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
- Ability to deal with problems involving several concrete variables in standardized situations.
Responsibilities
- Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
- Provide, present and promote The Citizens Experience to all external and internal customers.
- Review credit request/file for completeness.
- Spread financial statement and/or tax returns.
- Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE).
- Prepare an accurate, clear and concise RCE.
- If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments.
- Discuss credit requests with branch personnel and Credit Management Division.
- Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
- Other duties may be assigned.
Stand Out From the Crowd
Upload your resume and get instant feedback on how well it matches this job.
What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Number of Employees
501-1,000 employees
