Senior Branch Credit Officer

First National Bank Alaska•Anchorage, AK

36d

About The Position

Provides expert-level credit analysis, portfolio management, and strategic guidance for the Bank's combined branch lending. Researches and makes recommendations for the purchase of outside loan portfolios; provides strategic portfolio management of Bank's BHG loan holdings; assists in the evaluation of participation loans; prepares the highest level of credit presentations for complex and high-value loans originated from the branch network and ensures all credit recommendations are sound, compliant, and align with the Bank's risk appetite and strategic goals by performing the following essential duties and responsibilities:

Requirements

Bachelor's degree in finance, accounting, business or related field and eight years of progressively responsible experience in commercial credit analysis, underwriting, or credit risk management, or related field; or equivalent combination of education/training and experience.
Five years' management experience.
Word processing and spreadsheet software experience required.
Ability to handle highly confidential information, frequent deadlines, and time constraints required.
Ability to read, analyze, and interpret common business journals and technical manuals, financial reports, and legal documents.
Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community.
Ability to write reports, business correspondence, and procedure manuals.
Ability to clearly communicate both verbally and in writing with customers and all levels of bank employees.
Ability to work with mathematical concepts such as probability and statistical inference.
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
Ability to define problems, collect data, establish facts, assess risk, draw valid conclusions, and make decisions based on those conclusions.
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several variables.

Nice To Haves

Master's degree in finance or business administration; experience with portfolio acquisition, secondary loan markets, or strategic loan portfolio management.

Responsibilities

Evaluates borrowers' financials, collateral, cash flow and repayment capacity; identifies key risks; prepares and presents high-level credit analyses for complex and large commercial loans; and provides expert recommendations to senior and executive loan committees for appropriate structures.
Oversees and manages the Banks's BHG loan portfolio, analyzes performance, yield and risk exposure; provides analysis of subcategories of the loan portfolio, branch profitability and other units within the Bank; and recommends strategies to leverage and optimize BHG holdings within the Bank's overall loan portfolio to achieve diversification and profitability goals.
Conducts detailed due diligence, assesses credit quality, pricing and performance on prospective outside loan portfolios, works with lending, accounting and risk management to ensure successful portfolio acquisition and integration; and monitors acquired portfolios to ensure ongoing compliance and performance standards are met.
Assists with the evaluation/underwriting of the Bank's participation loan activities, including partner performance documentation review and adherence to participation agreements; and coordinates with corporate credit officers and credit administration on shared national and multi-bank transactions as needed.
Participates in limited business development efforts in coordination with branch lending teams to support relationship growth and loan portfolio expansion; and represents the credit administration function in lender calls and customer meetings when complex financial or structural discussions are required.
Ensures adherence to all Bank credit policies, underwriting standards, and regulatory requirements; identifies opportunities to improve credit processes, documentation, and risk analysis methods; and recommends credit policy enhancements to maintain alignment with best practices and regulatory expectations.
Collaborates with the Chief Credit Officer/President - Lending & Administration on credit strategy, concentration management, and policy adjustments; monitors branch loan portfolio performance to identify early signs of credit deterioration or concentration risk; and identifies opportunities to improve credit processes, documentation, and risk analysis methods.
Works closely with branch lending teams, loan operations, compliance, and executive management to maintain credit quality and process consistency; and provides technical guidance on complex loan structures and regulatory interpretations.
Promotes sound credit culture and supports the Bank's commitment to high quality, relationship-based lending.
Performs other work-related duties as assigned by supervisor.