Bank Credit Officer I

EEO Employer

BANK CREDIT OFFICER I POSITION SUMMARY

The Credit Officer I will evaluate and recommend approval of all loans, including, but not limited to, commercial real estate (CRE), commercial and industrial (C&I), Agricultural, Mortgage, and Consumer loans, all within delegated lending authority. The Credit Officer I position may also be directly responsible for managing a Credit Analyst team and will work collaboratively with the lending staff to create a smooth process for underwriting and managing a quality loan portfolio enterprise-wide.

SCHEDULE: Typical schedule will be during bank business hours Monday through Friday. Additional or different hours may be necessary as business needs warrant.

BENEFITS

Availa Bank offers a rich selection of benefits you can personalize to support you and your family’s needs. 

Benefits may include:

• Medical, Dental & Vision Plans
• Option for Health Savings Account (HSA)
• Life Insurance (Company paid for employee)
• 401K and Employee Stock Ownership Plan (ESOP)
• Company Paid Short & Long Term Disability Insurance
• Flexible Spending Account (FSA) & Dependent Care
• Eligibility for Tuition Assistance and Discounts
• Employee Assistance Program (EAP)

BANK CREDIT OFFICER I ESSENTIAL DUTIES AND ACCOUNTABILITIES

1. Make and guide independent decisions on underwriting applications through evaluation of business and personal credit reports, financial statements/tax returns, and other underwriting information, and assure completeness and adherence to Bank Credit Policy
2. Assist with the monitoring of loan performance in the bank’s portfolio and ensure loans are appropriately risk-rated in a timely manner
3. Proficient in all areas of credit analysis; able to perform analysis of more complex credits, including global cash flow analysis
4. Review and make recommendations as necessary to Credit Policy and implement required changes on a periodic basis
5. Assist with credit risk reporting to include, but not limited to, enhancement and analysis of credit risk metrics, policy exception tracking, past due and watch list loan monitoring, and loan covenant tracking and compliance
6. Keeps the CCO apprised of emerging market risks as well as any underwriting developments
7. Assist CCO with all regulatory credit examinations and assist with outside auditors, including providing necessary documentation and reporting. Also, maintain adequate controls to ensure compliance with all statutes/regulations
8. Manage the underwriting pipeline and coordinate prioritizing of credit requests between the Credit Analysts and Lending Staff
9. Responsible for training and development of Credit Analysts and assisting personnel in all aspects of financial analysis

BANK CREDIT OFFICER I ROLE QUALIFICATIONS:

Education

• Bachelor’s degree in Business Administration and/or Finance or Accounting or equivalent combination of education and experience

Experience

• Minimum of five (5) years of commercial lending and/or credit analysis experience or equivalent combination of both

The ideal candidate will have:

• Minimum of one (1) year of experience in a Credit Officer role or similar experience

Other Skills and Abilities

• Demonstrated proficiency in typing with speed and accuracy; basic keyboarding skills are required
• Strong knowledge of Bank policies and procedures
• Strong communication skills, both written and verbal
• Ability to interact with internal teams and customers with tact, diplomacy, and confidentiality
• Resourceful, innovative, and well-organized
• Ability to assess problems and/or unusual situations and develop logical solutions
• Ability to create a collaborative and motivating team environment
• Ability to develop and advance skills of staff
• Strong ethical focus; treats others with respect and consideration regardless of their status or position
• Thorough knowledge/understanding of legal and regulatory matters and industry trends
• Knowledge of agricultural lending

Supervisory Responsibilities

This position is responsible for supervising staff in accordance with the bank’s policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance; rewarding and taking corrective action with employees; addressing complaints and resolving problems.