Regional Credit Officer
About The Position
The Regional Credit Officer oversees and directs an assigned lending territory, including loan origination and the development and maintenance of profitable business relationships. The role develops, implements, interprets, and maintains lending policies and procedures and ensures lending programs comply with federal and state regulations and Bank policy. As a member of the senior management team, the Regional Credit Officer participates in the Bank’s overall management and planning. The position provides underwriting and structuring guidance, reviews requests for policy and regulatory compliance, and approves credit requests within defined lending authority. It supports lending goals while maintaining asset quality, mentors and supports lending staff and credit analysts, monitors credit quality and exception items, participates in regional credit committees, and assists with acquisition opportunity analysis and integration. The role also carries responsibility for managing and monitoring risk and complying with regulatory requirements and company procedures.
Requirements
- BA or BS degree.
- At least 10 years of experience.
- Excellent management skills.
- Excellent written and verbal communication skills.
- Excellent organizational, analytical, and interpersonal skills.
- Excellent customer service skills.
- Ability to use a personal computer and job-related software.
- MS Word at a basic level.
- MS Excel at an intermediate level.
- MS PowerPoint at a basic level.
- Experience in banking, finance, or a related field.
Nice To Haves
- MBA preferred.
- Knowledge of banking regulatory and compliance issues preferred.
Responsibilities
- Provide loan underwriting and structuring guidance and support for an assigned lending region.
- Review underwriting requests for compliance with Bank policy and regulatory requirements.
- Approve credit requests within defined lending authority that meet the Bank’s underwriting standards and lending objectives.
- Support established lending goals while maintaining desired asset quality levels.
- Mentor and support the assigned lending team and assist credit analysts with difficult underwriting issues.
- Assist lending staff in identifying appropriate risk ratings and in managing criticized assets.
- Monitor loan exception items and work with the lending team to resolve them.
- Monitor regional credit quality issues, including delinquency.
- Participate as a member of SACC for respective regional credits.
- Assist with the review, analysis, and integration of acquisition opportunities.
- Perform other related duties and projects as assigned.
- Understand, report, respond to, manage, and monitor daily business risks as required by F.N.B. Corporation’s risk management program.
- Adhere to regulatory laws, guidelines, and company procedures.
Benefits
- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Flexible spending accounts
- Health savings account
- 401(k)
- Paid time off, including sick time and vacation time
- Paid holidays
- Other voluntary benefits
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What This Job Offers
Job Type
Full-time
Career Level
Senior
