Regional Credit Officer

Coastal States Bank was founded on the relationships we build with each other and the communities we serve. At Coastal States Bank, we seek dedicated individuals who will strive to be a part of our growth and achieving our values.

This position requires full-time hours Monday through Friday. This position is not fully remote. Pay is commensurate to experience in banking experience. Only qualified candidates will be contacted.

• 401(k) & Company Match
• AD&D insurance
• Bankers School Career Planning
• Dental Insurance
• Disability Insurance
• Employee Assistance Program
• Flexible Spending Account
• Medical Insurance
• Health Savings Account
• Life Insurance
• Paid Family Medical Leave
• Paid Federal Holidays
• Paid Time Off
• Referral program
• Vision Insurance

The Regional Credit Officer plays an important role in coordinating day to day lending activities with Relationship Managers and the Credit Department of the bank. 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.

Your responsibilities will include, but not be limited to the following

Essential Functions:

• Collaborate with Relationship Managers in credit structing and understanding client’s loan request. Work with Relationship Managers in obtaining necessary information (financials and/or relative documents) to underwrite credit requests.
• Attend periodic calls with existing and potential borrowers that support the strategic growth plans of the assigned region.
• Perform due diligence of loan requests once information is received. Identify and mitigate risks within the approval process. Assess credit risk ratings on new and existing relationships.
• Decision credits within delegated lending authority and make recommendations when requests are outside of delegated authority.
• Maintain strong understanding of CSB lending policies as well as regulatory requirements to ensure credit requests comply and/or reasonable exceptions are clearly documented and mitigated.
• 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.
• Participate in quarterly watchlist calls with recommendations for problem resolution strategy for borrowers in assigned region.
• Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Supervisor.