Credit Officer, CRE

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* Location:

** 4599 Cemetery Road Hilliard, OH 43026
** Additional Locations Include:
** 491 North Cleveland-Massillon Road Akron, OH  Corporate Center Drive  Suite 200

Camp Hill, Pa  N Shore Drive Pittsburgh, Pa  Philadelphia Street Indiana, Pa  Granite Run Drive Lancaster, Pa 17601
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* 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).

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* 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 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.
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* Education:

** Requires a four-year degree or equivalent.
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* Experience:

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