Jr. Credit Officer

Tower Community Bank

• Evaluates the financial condition of individuals and businesses applying for consumer and commercial credit. Makes credit decisions within designated lending authority.
• Prepares loan presentation packages as required.
• Participates in Board presentations as required.
• Prepares and completes Annual Reviews as designated by Sr. Credit Officer or Chief Credit Officer.
• Analyzes loan data on new, renewal and existing loans. Prepares spreadsheet, reports, summaries and memos on new, renewal, and existing loans.
• Prepares presentation package for Executive Credit Committee and Board as needed.
• Assures all basic underwriting guidelines are met.
• Oversees and manages financial information files to assure current reports, statements, accounts receivable and other information on customer accounts.
• Performs credit inquiries for the financial institution as requested.
• Establishes, reviews and updates new and existing loan files for the financial institution on a regular basis.
• Provides technical advice and assistance to loan officers throughout the Bank as needed.
• Maintains expertise in new and current analysis procedures.
• Maintains expertise in new and changing underwriting guidelines and industry regulations.
• Adheres to Bank credit standards and works constructively with and abides by credit department guidelines.
• Assists in the production of any required BOD reports, exception tracking and clear to close function.
• Maintains appropriate compliance tracking as required.
• Underwrites and decides Consumer, Mortgage and Commercial Loan Requests.
• Performs Loan Relationship Annual Reviews.

Full Time located in Chattanooga, TN office.

For more information and/or to apply, please email Leci