Credit Officer, CRE

Credit Manager

Location:

4599 Cemetery Road, Hilliard, OH 43026

Additional Locations Include:

• 491 North Cleveland‑Massillon Road, Akron, OH 44333
• 100 Corporate Center Drive Suite 200, Camp Hill, PA 17011
• 358 N Shore Drive, Pittsburgh, PA 15212
• 800 Philadelphia Street, Indiana, PA 15701
• 205 Granite Run Drive, Lancaster, PA 17601

Hours:

Monday - Friday 8AM-5PM (Additional hours as necessary to meet the objectives of the department)

Function:
Manages the credit process consistent with Corporate and Credit Policy and serves as a central point in deciding credit exposure for new and existing relationships within an assigned credit profile and vertical (CRE or 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.
• 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 proposes 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.
• 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. Has a working knowledge of loan documentation, various collateral perfection requirements, including security agreements, UCC,…