Regional Credit Officer

Coastal States Bank•Atlanta, GA

2d•Hybrid

About The Position

The Regional Credit Officer plays an important role in coordinating day to day lending activities with Relationship Managers and the Credit Department of the bank. This role will be responsible for analyzing financials, understanding client performance, client creditworthiness and the risk involved in extending safe/prudent credit to new & existing customers. This position requires full-time hours Monday through Friday. This position is not fully remote. Pay is commensurate to experience in banking experience.

Requirements

Excellent verbal and written communication skills
Excellent organizational, multi-tasking and time management skills
Excellent decision-making skills
Ability to analyze medium to high level complexity credit
Facilitates teamwork
Proficient computer skills
A Bachelor’s Degree in Finance, Accounting, Economics or Business to include advanced knowledge of book and tax accounting.
A requirement of 5-7 years of experience as a bank credit analyst and/or loan underwriter.
Substantial understanding of the job and applies knowledge and skills to complete a wide range of tasks; prepare financial spreads and utilize them in financial analysis reporting; and has the ability to use, understand and apply credit policy and bank regulations to responsibilities.
Exercise good judgment and discretion in the handling of confidential information for loans requiring credit decisions.
Completes diverse deadline driven tasks.
Works with highly sensitive and confidential information.
Excellent written and verbal skills necessary to interact and communicate with various levels of internal and external clients.
Solid time management and organizational skills with the ability to manage and prioritize multiple tasks to meet deadlines.
Works under general supervision and usually on its own initiative.
May perform some tasks independently and also work as a contributing team member.
May act as a resource to other internal staff.
Knowledgeable in a wide range of Microsoft Office software applications.
The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies.
Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned.

Nice To Haves

Proficient with Fiserv, nCino and other bank programs.

Responsibilities

Collaborate with Relationship Managers in credit structuring and understanding client’s loan request.
Work with Relationship Managers in obtaining necessary information (financials and/or relative documents) to underwrite credit requests.
Attend periodic calls with existing and potential borrowers that support the strategic growth plans of the assigned region.
Perform due diligence of loan requests once information is received.
Identify and mitigate risks within the approval process.
Assess credit risk ratings on new and existing relationships.
Decision credits within delegated lending authority and make recommendations when requests are outside of delegated authority.
Maintain strong understanding of CSB lending policies as well as regulatory requirements to ensure credit requests comply and/or reasonable exceptions are clearly documented and mitigated.
Assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, purchase invoices and other collateral information based on the bank’s loan policies and underwriting guidelines.
Participate in quarterly watchlist calls with recommendations for problem resolution strategy for borrowers in assigned region.
Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Supervisor.