Credit Officer

Job Overview

The Credit Officer will assist in the management of the loan portfolio. Working with the Credit Risk Management team, lenders, and operations team members, the role will be primarily responsible for helping to adjudicate and service the existing loan portfolio, comprised of commercial and industrial and real estate loans.

• Appraisal Management. Oversee the Bank’s appraisal management program. Provide backup support for ordering and reviewing appraisals for all property types. Order and review commercial evaluations. Maintain the Bank’s approved appraiser list.
• Special Assets. Manage loans in the special asset portfolio. Prepare watch loan reports quarterly. Review impairment analyses quarterly.
• Loan Approvals. In conjunction with the Credit Risk Management team, work with lenders on structuring and approving deals within delegated authority levels.
• Portfolio Monitoring. Respond to data requests for audits and/or exams. Stay up to date on industry and economic trends. Prepare quarterly market white papers. Create ad-hoc reports.
• Annual Reviews. Oversee the Bank’s annual review program. Approve annual reviews where required.
• Compliance. Ensure knowledge and compliance with the organization’s Loan Policy and regulatory standards.
• Other Duties as Assigned.

• Bachelor’s Degree or equivalent.
• Minimum 8 years of credit-related banking experience.
• Strong interpersonal skills with excellent credit, problem solving, and decision quality skills.
• Strong analytical skills.
• Strong sense of urgency and ability to meet deadlines.
• Proficient in reporting and data analysis. Ability to extract data from the Bank’s core system using established report writing software.
• Strong understanding of regulatory guidance, particularly those related to real estate valuations.
• Excellent communication and interpersonal skills, both verbal and written.
• Ability to work independently and as part of a team.
• Proficient in Microsoft Excel and other Microsoft Office Suite products.

New Horizon Bank is an Equal Opportunity Employer and does not discriminate in hiring or employment practices on the basis of race, color, religion, gender, age, sexual orientation, marital or familial status, national origin, non-job-related disability, or veteran status.