Senior Credit Officer

First Interstate•Portland, OR

About The Position

The Senior Credit Officer is accountable for supporting credit risk oversight for one or more regions, markets, and/or business lines. This position evaluates and adjudicates credit requests for existing customers and new prospects, reviews annual analyses, identifies potential and emerging risk (credit, reputational, liquidity, market and operational), and performs proactive portfolio management through ongoing monitoring.

Requirements

Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
Ability to write reports, business correspondence, and procedure manuals.
Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
Ability to calculate figures and perform spreadsheet analysis.
Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
Must possess common sense and logic/knowledge to be able to formulate and strategize options for any given situations.
Must be proficient with MS Word and Excel.
Knowledgeable across multiple types of commercial lending including, but not limited to: C&I, Real Estate (including investor (all types) and owner occupied), hotel, agricultural, equipment, and aviation.
Willingness to travel within the bank’s footprint, or as required based on customer location, as appropriate.
Bachelor's Degree required
10+ years of commercial lending and/or commercial credit risk experience required
Valid Driver’s License required

Responsibilities

Understands and evaluates market conditions within oversight regions/business lines for proactive assessments of credit risk and partnership with the line of business on strategic loan growth.
Provides credit coaching, mentoring, and training throughout the lending and adjudication process.
Assists the line management in the evaluation of line personnel.
Adjudicates, administers, and reviews loans and loan commitment requests to ensure adherence to existing policy guidelines and sound underwriting principles to protect the quality and profitability of the loan portfolio.
Presents well-organized, accurate, and complete analysis of recommendations for adjudication.
Identifies potential problem loans and works with the Special Assets Group and front line to help manage credit risk.
Oversees initial and ongoing loan Risk Rating Accuracy for the portfolio within oversight regions.
Maintains and ensures the commercial extension of credit within their purview is within FIB's risk appetite and properly managed.
Ensures credit evaluations properly assess credit risk, policy exceptions, regulatory compliance and risk rating assignment through effective financial analysis, collaborating with Relationship Managers and Credit Officers, and other due diligence efforts.
Acts as the primary contact for commercial lenders, underwriters, product specialists, and senior leadership within their regions for all new, renewals, and/or modifications of credit up to their individual credit authority.
Demonstrates leadership of a collaborative partnership across all internal stakeholders to advocate appropriate credit risk culture to the field.
Supports credit risk management participation in internal loan review, audit, and regulatory examinations.
Provides support in forecasting of asset quality indicators to senior management.
Contributes to the establishment and review of credit policy as appropriate.
Works closely with the Divisional Officer on other special projects.
Approves loans within the position’s delegated credit authority and facilitates approvals for relationships requiring a higher level of approval.
Supports and/or coordinates reporting for various purposes to different constituencies and for maintaining strong lines of communication to the affected departments, such as with the finance and loan operations areas.
Assists in training, travels to meet with various stakeholders, and supports Divisional Credit Managers, as required.
Performs other duties as assigned.