Commercial Credit Approval Officer

Responsibilities

• Acts as the final decision authority on commercial loan applications.
• Follows sound lending practices, policies and procedures.
• Responsible for financial analysis of complex loans/industries/Customers.
• Contributes to team responsibility for ensuring satisfactory audit, loan review, and other loan quality metrics.
• Supports Credit Management strategic initiatives.
• Ensures compliance with established underwriting guidelines, quality and production guidelines, and Federal Banking Regulations.
• Renders final credit decision within individual lending authority limits.
• Determines necessary conditions of lending and closing.
• Acts as a mentor and participates in the ongoing development of the Underwriting Staff.
• Performs historical business financial analysis and cash flows.
• Contributes to discussions of policy and standards adjustments.

• Undergraduate degree preferred
• 10+ years of relevant commercial lending relationship management, underwriting, and/or adjudication experience
• Prior lending authority >= $1 million preferred
• Small Business Administration/Agency, Healthcare Practice Solutions, or other specialty lending experience preferred
• Able to operate in a highly professional, systems-based environment
• Proven analytical and research skills
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Proven organizational, multi-tasking, analytical, time management and decision-making skills
• Ability to meet deadlines
• Strong communication skills, both verbal and written
• Strong interpersonal skills and a team orientation
• Ability to work with various levels of business partners
• Computer literacy with a variety of software programs