SVP, Senior Credit Officer

Georgia's Own Credit Union•Atlanta, GA

8d•Hybrid

About The Position

If you would enjoy working in a dynamic environment and are looking for an opportunity to become part of a stellar team of professionals dedicated to service, we invite you to apply online today. This position offers a flexible hybrid work arrangement, allowing employees to balance in-office collaboration with the benefits of remote work. We provide the necessary tools and technology to ensure seamless productivity, whether you're working from home or the office. SUMMARY: As the senior most credit leader in the organization, the Senior Credit Officer (“SCO”) will be responsible for the general direction of the Georgia’s Own lending activities from a credit risk perspective. This role will serve as the Credit Policy Officer, Credit and Administrator for the credit union. The SCO will be responsible for monitoring asset quality, the supervision of commercial underwriting and portfolio management team, and will be the credit risk advisor for the ongoing development of systems, procedures, loan portfolio reporting/analytics and controls necessary for the successful operation of a healthy and well-balanced credit organization. In addition, the SCO will be responsible for developing and maintaining any required frameworks, models, and policies as well as evaluating large and complex individual transactions. The SCO will hold the primary responsibility for developing and providing the Credit Union’s Executive Management with accurate and timely loan portfolio reporting/analytics and for ongoing monitoring of loan portfolios for adherence to the Georgia’s Own Credit Risk Appetite statement. The SCO will have delegated approval authority as designated by the Board of Directors, will chair the Commercial Credit Risk Committee, and have membership in MALCO and the Funds Management Committee.

Requirements

Bachelor’s Degree in Business Administration, Finance, Accounting, Statistics, or related field required.
15+ years of banking or financial industry experience, 15+ years’ experience in credit. Emphasis in commercial and business lending activities required.
Thorough knowledge of single family residential, consumer and commercial banking products, processes, vendor relationships, and accounting is required.
Knowledge of computer skills with specific knowledge of Windows-based applications.
Knowledge of current financial institution, including credit union, laws and regulations, required loan documentation requirements, and any investment restriction limitations.
Excellent communication skills (both written and verbal) and interpersonal skills to successfully communicate, negotiate, and influence personnel that do not directly report to this position or area. Ability to communicate with a wide variety of personalities and skill sets, ranging from senior and executive management, and state and federal examiners and regulators.
Ability to work remotely as needed and manage a remote team.

Nice To Haves

Masters of Business Administration preferred.

Responsibilities

Develop and maintain sound credit policies and the administration of systems, procedures and controls.
Monitor and manage credit and concentration limits, underwriting quality and assignment of risk ratings.
Develop, operate, and continually improve credit risk frameworks, credit policies, credit risk appetite, risk-grading platform, and loan approval processes.
Assist with external credit reviews and regulatory examinations of the lending portfolios.
Maintain an acceptable asset quality rating.
Chair the Commercial Credit Risk Committee and provide approval for credit transactions and relationships within defined Board delegated approval thresholds.
Support key stakeholders in generating high quality loans and assist in the workout of significant problem loans.
Evaluate and provide strategic counsel relative to new market opportunities and potential acquisitions.
Participate in all assigned committee meetings.
Review month end non-accrual and delinquent reports and supporting documentation for determination of collection efforts and loss potential.
Participate in or actively lead special projects pertaining to credit and other company-wide initiatives.
Work closely with Executive management on strategic issues and direction.
Comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, NCUA and GADBF law and regulations.
Responsible for administration and adherence to Responsibility Center budget.
Manage commercial workout efforts
Participate in all quarterly Audit Committee Meetings and when assigned, monthly Board meetings
Other Duties as assigned.