Senior Credit Risk Officer

Frost • Dallas, TX

19h • Onsite

About The Position

As a Senior Credit Risk Officer with Frost, you will be responsible for the review and approval of loans and credit limits, under little oversight, within various product areas for commercial banking relationships. You will evaluate the structure of the loan, ensuring an appropriate product type and level of credit is extended to the borrower with a credit approval limit of up to $20 million. You will also verify that proposed loan packages meet organization credit standards, reviewing for completion and accuracy. This role is about building relationships and doing so with integrity, caring, and excellence in mind. Frost is committed to fostering an environment that reflects its values and encourages team members to be the best they can be, with over 150 years of providing unparalleled financial services.

Requirements

• Bachelor’s degree, preferably in Finance or Accounting
• 10+ years of banking experience, with completion of a formal credit training program or equivalent knowledge of credit analysis and secured lending
• Demonstrated experience in successfully managing loan portfolios and approving credit risks through economic cycles
• Excellent written and verbal communication skills
• Proficient in Microsoft computer applications

Nice To Haves

• 15+ years of banking experience with time spent as a relationship manager

Responsibilities

• Monitor various lending teams, groups of lending teams, and lines of business portfolios for credit risk issues, including but not limited to: exception reporting, past dues, loan agreement compliance, trend analysis, and identification of emerging risks
• Review and approve credit requests, modifications, amendments and waivers for commercial banking relationships; credit requests range across various product areas, including but not limited to: loans, treasury management, global trader services, and other exposures
• Expected to ensure the efficient delivery of credit risk to promote an excellent customer experience both internally and externally
• May act as a source of knowledge to assist in identifying relevant content for credit education programs
• Provide guidance and feedback on how proposed loan packages can be improved
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

Benefits

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Number of Employees: 1,001-5,000 employees