Credit Officer

Position Title:

Credit Officer

Exempt (17B)

Chief Credit Officer

Fort Worth, Houston, or Tyler, TX

• Medical, Prescription Drugs, Dental, and Vision Insurance
• Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
• 401(k) with a Match
• Basic, Voluntary, and Dependent Life Insurance
• Paid Time Off
• Paid Bank Holidays
• Workplace Wellness Programs
• Employee Assistance Programs
• Tuition Reimbursement

Approves and recommends loans for approval in accordance with Bank Policy with the goal of supporting quality loan growth and maintaining an acceptable level of Asset Quality.

• Reviews and approves loans within individual approval authorities.
• Reviews and signs off on Internal Evaluations for the Loan Review Group.
• Supports the Commercial Lending function for the Bank with specific focus on the Commercial Real Estate.
• Provides guidance to Lending team on loan structure and pricing in advance of approval.
• Supports Credit Analysts as needed.
• Participates as a voting member of Officer's Loan Committee.
• Participates in lending Pipeline meetings.
• Participates in annual review of Bank Credit Policy and propose any necessary updates/edits as needed.
• Understands and follows all local, state, and federal laws and regulations as they apply to lending.
• Direct involvement in loan workout as needed.
• Prepares special projects at management's request.
• Assigns work duties to team members.
• Maintains positive relationships and promotes efficiency among a group of workers.
• Plans and supervises the activities of others.
• Maintains confidentiality of all sensitive Bank information.
• Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank's mission, CORE Values, and Blue Book culture guide.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participates in proactive team efforts to achieve departmental and company goals.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Responsible for complying with audit policies and procedures as they pertain to this position.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
• Must comply with all applicable laws and regulations.

• Completes work duties; maintains positive relationships and promotes efficiency among a group of workers.
• Exchanges ideas, information and opinions with other people to formulate policies, programs, decisions and solutions.
• Adapts effectively to changing work tasks, market information, technology, procedures, conditions and physical demands.
• Gathers, collates, classifies and reports information.
• Examines and evaluates data. Presents an alternative course of action based upon analysis.
• Performs well-defined activities, which require accuracy and attention to detailed information.
• Provides leadership to others through example and sharing of knowledge/skill.
• Complies with all safety policies, practices, and procedures. Report all unsafe activities to supervisor and/or Human Resources.
• Performs additional duties, as assigned or directed.

• Five or more years of experience in a financial institution or loan setting, preferably in credit risk management in the commercial real estate lending and analysis areas; prefer bachelor's degree in business administration, finance or related area.

• Ability to manage multiple deadlines and projects concurrently.
• Ability to use a computer, email, and navigate through software.
• Understand, reason, and make judgments.
• Motivate and influence others to take specific action.
• Reach conclusions based on objective, subjective or sensory data.
• Understand highly complex instructions and written materials. Read, write and speak using standardized technical communication formats, diction and style. Apply methods of persuasive speaking, discussion and debate.
• Integrate the analysis of data to discover facts, build knowledge, formulate concepts or develop interpretations.
• Understand complex instructions and written materials.

• Manual dexterity sufficient to reach/handle items and work with fingers. Works with fingers and perceives attributes of objects and materials.

• Must be able to remain in a stationary position 90% of the time.
• The person in this position needs to occasionally move about inside the office to visit other offices, conference rooms, office machinery, etc.
• Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and telephone.
• Constantly positions self to operate on a computer.
• The person in this position frequently communicates with other people throughout each day. Must be able to exchange accurate information…