Credit Risk - Senior Credit Officer

Bank Midwest•Salt Lake City, UT

16h•Onsite

About The Position

As a Senior Credit Officer, you will be responsible for underwriting and decisions on business credits received from the Commercial Relationship Management team in compliance with the Bank’s lending policies and procedures. You will be responsible for a variety of tasks including utilizing various tools on financial statement analysis, company information, industry information and calls to the client, identifying risk on loans and mitigate while identifying cross sales and pre-approvals, documenting declines including any discussions that take place, helping design new credit policies, processes and procedures, and approve credits up to legal limit while maintaining an appropriate credit risk level. As the Senior Credit Officer, you will manage monitoring of and renewals of credits, work with department to maintain the corporate credit policy and manage client credit files and recommend changes in the credit policy to senior management. As a Senior Credit Officer, you will have an opportunity to personally investigate the largest clients’ credit applications, visit the largest clients to establish relationships, and monitor periodic credit reviews. You will participate in meetings, special projects and training when needed, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position. All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Requirements

Bachelor’s degree in Business Administration, Accounting, Auditor or equivalent combination of education and related work experience.
10+ years of progressive job-related experience.

Nice To Haves

Advanced degree or certification related to field.
12+ years of commercial credit experience.
Previous managerial experience.
Thorough knowledge of credit-related laws.
Judgment and decision-making ability
Accuracy and attention to detail
Demonstrated integrity and ethical standards
Strong project management and multi-tasking skills
Exceptional verbal, written and interpersonal communication skills; ability to apply a common sense approach to issue resolution.
Well-developed analytical skills; ability to assimilate large volumes of information, prioritize issues, form conclusions, determine appropriate action, and effectively translate complicated concepts into simple and understandable communications.
Strong knowledge of banking laws and regulations and appraisal process related.
Ability to write policies and procedures for risk related functions.
Ability to work with other business unit leaders on committees and on projects to address risk issues.
Proficient in MS Office applications which include Outlook, Word, Excel, and PowerPoint.

Responsibilities

Underwriting and decisions on business credits
Utilizing various tools on financial statement analysis, company information, industry information and calls to the client
Identifying risk on loans and mitigate while identifying cross sales and pre-approvals
Documenting declines including any discussions that take place
Helping design new credit policies, processes and procedures
Approve credits up to legal limit while maintaining an appropriate credit risk level
Manage monitoring of and renewals of credits
Work with department to maintain the corporate credit policy
Manage client credit files
Recommend changes in the credit policy to senior management
Personally investigate the largest clients’ credit applications
Visit the largest clients to establish relationships
Monitor periodic credit reviews
Participate in meetings, special projects and training when needed
Build a great rapport with clients and fellow associates
Treat others with respect and consideration regardless of their status or position
Maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.