Credit Officer - C&I

Function: Manages the credit process consistent with Corporate and Credit Policy and establishes underwriting guidelines to serve as a central point in deciding credit exposure for new and existing relationships within an assigned credit profile and vertical (C&I).

Duties and Responsibilities:

• Reviews, underwrites and makes decisions on loan requests within stated lending authority; involve next higher level authority level when deal size or complexity warrants.

  • New Credit Authority:
    Up to $5.0MM or in accordance with the Delegated Credit Authority Grid

• Maintains credit quality standards for the assigned adhering to Corporate Policies and the bank's credit culture.

• Responds promptly to credit requests to determine feasibility and nature of analysis to be conducted.

• Assumes responsibility for coaching, mentoring, training and guidelines to underwriters and assigned deal teams.

• Supports assigned deal teams in the structuring and delivering of credit products to meet client needs.

• Works with commercial bankers and underwriters to manage the analysis and documentation to produce a focused, concise underwriting package. Follow deal from initial request through final documentation.

• Ensures compliance with credit policy and appropriate reporting.

• Ensures strong credit culture as well as an effective and efficient approval process.

• Balances a strong asset quality focus while supporting a strong business development plan.

• Acts as a highly visible customer contact working as a member of the vertical management team in relationship banking model.

• Understands, underwrites and manages the portfolio in accordance with the regional and corporate risk profile.

• Identifies critical issues and propose alternative structures and financing solutions.

• Meets with client or prospect to clear any conditions of approval or unresolved issues. Call activity would promote new business due diligence, selling the client and addressing deteriorating situations.

• Demonstrates credit judgment, size and scope of assigned credit portfolio to determine level of credit risk exposure that will be assigned on any given relationship.

• Discusses changes with the commercial banker to resolve any conflicts between the client's needs and the bank's structure as needed.

• In collaboration with the Senior Credit Officer, establishes and executes monthly and quarterly reporting of vertical portfolio metrics concentrating on credit risk management.

• In collaboration with the Senior Credit Officer, helps model, project and track actual versus potential charge-offs, NPL's, criticized and classified assets and overall credit quality of the assigned vertical for performance measurement.

• Provides technical advice and assistance to relationship managers in the evaluations and structuring or restructuring of commercial credits within the portfolio.

• Ensures satisfaction of compliance and regulatory related issues.

• Makes recommendations for loans going to senior level loan committee.

• Develops and recommends plans for expansion of existing programs, operations or credit related activities.

• Participates and reviews all criticized and classified assets as assigned and participates in the quarterly Criticized Asset meeting.

• Participates in Senior Loan Committee.

• Prepares presentations and participates in management or committee meetings as needed.

• Solicits, with vertical management, new business opportunities and participates in community or other services/activities.

• Maintains a good working relationship with all bank employees. Demonstrates the ability to work independently. Works as a team player to contribute to the success of the department and in turn the organization.

• Assumes additional duties and responsibilities as assigned.

Education:

Requires a four-year degree or equivalent.

Experience:

More than ten years general experience, five to ten years of specialized experience preferred in Commercial Banking, Credit Underwriting.

Physical Demands:

This work can be performed at multiple locations. Operates a keypad device 80-90% and electronic equipment 10-20% of the day. Traveling 20-30%, overnight stays 0-10%. Reaching above the shoulders bending and twisting 0-10%, standing 0-10%,…