Credit Officer , II, or III

Description

ANB Bank has financial strength embodied in $3 billion in assets and is a true community bank with an unwavering commitment to excellence. The bank helps each of its communities prosper through investment, sponsorship, philanthropy, and employee volunteerism. It is a passion ANB has for banking that makes a difference.

ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities. ANB is committed to rewarding our team members who strengthen our company and culture. ANB offers competitive compensation and a comprehensive benefits package for this position.

• Credit Officer I - $50,000.00 - $75,000.00
• Credit Officer II - $60,000.00 - $85,000.00
• Credit Officer III - $70,000.00 - $97,500.00

The hiring pay range for this position is commensurate with the level of relevant experience and education.

• Minimum 4 Weeks of Paid Time Off (PTO)
• 11 Paid Holidays
• Medical, Dental, and Vision Insurance
• Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts
• Company provided Live, AD&D, and Disability Insurance with supplementation options
• 401(k) plan with discretionary company match and profit sharing
• Discretionary annual bonus and employee referral incentives
• Employee Assistance Program (EAP)
• Tuition Reimbursement Program
• Spanish Communication Assistant Program Incentive
• Employee Banking Products

ANB Bank Credit Officers are leaders of our credit-related operations teams, directly supporting our banking centers in their loan production and relationship management efforts while managing risk in the credit portfolio. Our officers also actively participate in leadership positions within the bank and in our local communities. As the Credit Analysis Officer you will help guide a team of Credit Analysts through in-depth loan reviews, training, assisting the department's regional lead program, as well as assisting management with department strategy and reporting.

Additionally, the Credit Analysis Officer will analyze complex credits and assist in preparation for decision makers.

• Act as a lead reviewer on smaller loans prepared by other Credit Analysts below the bank's loan committee threshold. Ensure loans are held to Credit Policy, underwriting procedures, and appropriate credit risk. Ensure consistency among the Analyst team in terms of risk tolerance, policy adherence, and general presentation quality.
• Prepare training for the department on credit risk, loan policy, and systems in accordance with management and team goals.
• Develop strategies for effective regional relationships through the Regional Lead Program by facilitating RM meetings, doing market research, and understanding the credit portfolios of each area.
• Assist with lender preparation of Credit Presentations for bank loan committee.
• Prepare spreadsheets, cash flow analyses, collateral assessments, with commentary in evaluation of commercial (R / E, Ag, Energy, C&I) loan requests.
• Perform extensive credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers prior to the credit decision being made. This includes, but is not limited to:
• Analysis of business and personal financial statements such as balance sheets, income statements and cash flow statements, and credit reports.
• May also include analysis of customer performance compared to peer industry averages.
• Analysis of the more difficult and complex credits within the department.
• Meet with lenders to gather information to support credit analysis.
• Investigate all available sources of credit and financial information, including reporting services, credit bureaus and agencies.
• Review appraisals, environmental reports, title reports and loan documents for collateral property.
• When appropriate, review and analyze property financial information to determine actual income, expenses and projected debt service coverage.
• Interact with accountants and attorneys at direction of management, when necessary to perform…