Regional Credit Officer - Cre

Position: REGIONAL CREDIT OFFICER - CRE
Position Summary:

The Regional Credit Officer for commercial real estate plays an important role in coordinating lending activities within the supported areas. This role will be responsible for analyzing financials, understanding client performance, client creditworthiness and the risk involved in extending safe/prudent credit to new & existing customers.

Essential Functions:

* * To assess and determine the financial condition, repayment capacity and character of borrowers and guarantors through the review and analysis of financial information including accountant or internally prepared financial statements, tax returns, personal financial statements, liquidity statements, business and personal credit reports in accordance with the bank's loan policies and underwriting guidelines.

* To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, purchase invoices and other collateral information based on the bank's loan policies and underwriting guidelines.

* To write credit memos, loan reviews, and other reports summarizing information about new or existing borrowers including: the purpose of the loan, the experience/background of the borrower, the financial condition of borrowers and guarantors, repayment capacity, collateral adequacy, industry/market and using that information to evaluate a loan's conformity to the bank's lending guidelines/policies and banking regulations. These credit memos may require presenting and making recommendations to Directors and Bank Management in order to extend credit.

The credit memo is summarized with risk grading of the loan and any other pertinent conditions to extend credit.

* Maintain strong familiarity with current market dynamics within supported markets that impact the performance of commercial real estate assets including industrial, multifamily, retail, hospitality, office, self storage, residential construction, and senior housing.

* To assist Bank Management in the timely monitoring of credit risk.

* Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Chief Credit Officer.

Critical Success Factors:

* Excellent verbal and written communication skills

* Excellent organizational, multi-tasking and time management skills

* Excellent decision-making skills

* Ability to analyze medium to high level complexity credit

* Facilitates teamwork

* Proficient computer skills