Credit Officer

WNB Financial NA•Altoona, WI

About The Position

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

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.

Responsibilities

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
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
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
Compiles audit information
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