Credit Officer

COGENT BANK • Tampa, FL

2d

About The Position

A Credit Officer facilitates lending for clients by assessing creditworthiness and providing sound documentation. The role analyzes loan applications, evaluates clients’ financial information, and mitigates weaknesses. The Credit Officer applies lending-procedure knowledge and supports a high-quality customer service experience while helping clients secure capital promptly and ensuring compliance with internal and regulatory guidelines.

Requirements

• At least 5 years of experience in a lending and/or credit capacity at a financial institution.
• Bachelor’s degree with an emphasis in business, accounting, or finance, and formal bank credit training.
• Hands-on experience with lending procedures and products.
• Ability to create and process financial spreadsheets.
• Strong analytical skills.
• Strong customer service skills.
• Treat employees, regional and executive management, and members of the Board of Directors respectfully.
• Ability to travel to outside markets as needed.

Nice To Haves

• MBA.

Responsibilities

• Propose and/or champion deals during term sheet and rump sessions to the Chief Credit Officer and Senior Credit Officer.
• Underwrite new loans, renewals, modifications, and annual reviews, and take sole responsibility for the Market and Divisional Larger Borrower report.
• Share co-lending authority with the Market President and Senior Credit Officer.
• Pull personal and corporate credit bureau reports and OFAC reports.
• Manage some lending relationships graded Watch or Worse, and present and administer WOW reports.
• Assist the Chief Credit Officer and Senior Credit Officer with writing lending- and credit-side policies and procedures.
• Ensure BSA compliance by becoming familiar with the BSA/AML program and policy, following BSA/AML/OFAC policies and procedures, and completing related online courses.
• Perform other tasks, responsibilities, or duties as directed by management.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level