SVP & Regional Credit Officer - Credit Officers
About The Position
This position holds primary lending authority up to $25 million, responsible for deciding credit requests from all lending regions of the bank. The role is a voting member of the Executive Loan Committee, which has lending authority up to the bank’s legal lending limit, and may also serve as Chairman of future regional loan committees. The individual will assist the Chief Credit Officer in implementing and enforcing the bank’s Credit Policy and will work with lenders and management to achieve the bank’s loan production, profitability, and credit quality objectives. The position carries supervisory responsibilities in accordance with the organization’s policies and applicable laws, including interviewing, hiring, training, planning, assigning, directing work, appraising performance, rewarding and disciplining employees, and resolving problems. The ability to provide leadership and make decisions on credit requests up to $25 million is essential.
Requirements
- High school diploma or GED required.
- Bachelor’s degree in Finance or Accounting required.
- Minimum of 15 years in Banking with lending and/or credit experience.
- Ability to analyze the most complex financial and legal documents.
- Ability to understand complex financial transactions and provide guidance or alternatives as appropriate.
- Ability to effectively communicate acceptable credit structures to lenders and customers.
- Excellent written communication skills.
- Ability to read, analyze, and interpret common scientific and technical journals, 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 speeches and articles for publication that conform to prescribed style and format.
- Ability to effectively present information to top management, public groups, and/or boards of directors.
- Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plain and solid geometry and trigonometry.
- Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
- Ability to define problems, collect data, establish facts, and draw valid conclusions.
- Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
- Proficient in Microsoft Office products including Excel, Word and Outlook.
- Ability to learn other software as needed.
Nice To Haves
- Department management or demonstrated supervisory skills preferred.
Responsibilities
- Carry out supervisory responsibilities in accordance with the organization’s policies and applicable laws, including interviewing, hiring, training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
- Provide leadership and be the primary person making decisions about credit requests up to $25 Million lending authority.
- Attend all Executive Loan Committee meetings as a voting member.
- Attend future Regional Loan Committee meetings as Chairman.
- Decision individual credits up to lending authority limit.
- Assist the Chief Credit Officer in implementing and enforcing the bank’s Credit Policy.
- Assist in the preparation and review of the 10-K and 10-Q regulatory reports.
- Collaborate with bank examiners and external auditors to ensure appropriate financial reporting and lending safeguards are in place and effective.
- Lead due diligence activities on prospective acquisition targets.
- Conduct credit training as needed.
- Maintain the highest ethical standards of conduct.
- Acquire and maintain a proficiency in the Bank's policies and procedures, and adhere to all applicable laws, rules and regulations.
- Complete all assigned compliance training in a timely manner.
- Analyze the most complex financial and legal documents.
- Understand complex financial transactions and provide guidance or alternatives as appropriate.
- Effectively communicate acceptable credit structures to lenders and customers.
- Write speeches and articles for publication that conform to prescribed style and format.
- Effectively present information to top management, public groups, and/or boards of directors.
Benefits
- 27 days of PTO (Paid Time Off)
- 5 days of STD (Short Term Disability)
- 11 annual paid holidays
- 1 float holiday
- Medical insurance
- Dental insurance
- Vision insurance
- Health Care Flexible Spending
- Dependent Care Flexible Spending
- Transportation Fringe Benefit Plan
- Group Life insurance
- Long Term Disability insurance
- Optional Life insurance
- Access to voluntary benefit products such as Cancer, Term & Universal Life, Accident, Short-Term Disability and Critical Illness policies, and other ancillary benefit products.
- 401(k) with employee match
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What This Job Offers
Job Type
Full-time
Career Level
Executive
