Team Lead, Loan Credit Specialist

Hancock Whitney Bank•New Orleans, LA

About The Position

Loan Credit Specialist Team Lead supervises a team of Loan Credit Specialists who are responsible for reviewing, renewing, monitoring, and decisioning Commercial, Private Banking, and Community Banking loan applications for commercial and industrial (C&I), and commercial real estate loans in a centralized environment for credits up to their assigned loan authority utilizing a judgmental credit analysis underwriting approach. These positions also provide support to field personnel relating to the communication of loan decisions and may recommend loan approval terms and structures for loans above their assigned credit authority.

Requirements

Bachelor’s degree preferably in accounting, finance or economics required.
7 years of credit analysis, loan review and/or Regional Credit Officer experience preferably in the banking industry required.
A combination of education, experience and training may be considered.
Demonstrated experience in business or commercial segment client relationship management
Demonstrated understanding of fair lending issues, HMDA, rules, and various regulations that directly impact the commercial lending areas.
Demonstrated ability to utilize judgmental commercial credit underwriting skills to render a decision.
Demonstrated understanding of credit scoring and risk management concepts
Must be attentive to detail and possess excellent verbal and written communication and organizational skills.
Proficiency with Microsoft Office applications; Intermediate Excel and Word skills required.
Knowledge and familiarity with deposit and loan accounting systems is preferred
Ability to travel if required to perform the essential job functions
Ability to work under stress and meet deadlines
Ability to operate related equipment to perform the essential job functions
Ability to read and interpret a document if required to perform the essential job functions
Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions.

Responsibilities

Evaluates all loan requests, using a thorough knowledge of credit policy, guidelines and procedures.
Analyzes various industries and has a thorough knowledge of the risks associated with those industries and suggests appropriate financing vehicles.
Provide specific due diligence conditions required to approve loan including application of local knowledge of the market of the borrower
Provides accurate loan decisions and/or credit recommendations based on a review of all underwriting criteria, including loan structure, collateral, interest rate, and fees.
Responsible for reviewing financial statements, identifying project cash flow and income potential on information provided in loan application that renders an accurate global cash flow.
Summarizes and adjudicates final credit decision, within credit authority, on a credit processing system, which will be monitored and reviewed by management.
Seeks alternative means of financing or counter offers for all borrowers when it is determined that the original request cannot be accommodated.
May be required to restructure, up-sell if appropriate or renegotiate terms of existing banking customers.
Monitors and reviews loan decisions and/or credit recommendations made by assigned team of Loan Credit Specialist to ensure compliance with underwriting criteria and assigned loan authority.
Exhibits thorough knowledge of fair lending issues, HMDA, rules, and various regulations that directly impact the commercial lending areas.
Exhibits the ability to utilize judgmental commercial credit underwriting skills to render a decision within assigned loan authority.
Responsible for making accurate decisions in granting loan requests within specified limits.
Demonstrates an understanding of credit scoring and risk management concepts.
Communicates effectively and interacts with all levels of management. Additionally, must be able to communicate with all Commercial/Community Bankers, Team Leaders and Segment Leadership and related departments.
Mentor to lower level Loan Credit Specialists.
Carries out supervisory responsibilities in accordance with the organization's policies, procedures and applicable laws; Provides guidance and oversight to and is responsible for the coordination and evaluation of the assigned team.
Responsibilities may include interviewing, hiring and training associates; planning, assigning and directing work; performance management; associate compensation; approving expense reports; addressing concerns and resolving problems.