Credit Officer

POSITION OVERVIEW

This position is a lead member of the Credit team, which is responsible for managing all Credit Risk functions at the Bank. The areas of responsibility include review and monitoring of the existing portfolio. This includes identifying credit weaknesses or areas to improve, and then developing the policy, procedures, tools and training to impact change. Responsibilities include assisting bankers in business development strategies, pricing, identifying target markets, approving loans within delegated authority, and developing training for both new and experienced bankers.  

ROLES AND RESPONSIBILITIES

• Identify current and possible future credit risks that may cause American Federal to exceed targeted credit loss tolerances.
• Complete loan reviews to assure compliance with Credit Policy and Credit Administration of Business Units and Bankers.
• Provide expertise in various lending issues and applications including expertise in numerous specialized areas of lending. 
  • Develops standards relating how loans are documented and train Bankers and Associates in those requirements.
  • Researches and provides direction to lending officers regarding legal issues relating to all lending programs.
• Monitor the Bank's Loan Portfolio to assure Bankers are consistently and conservatively underwriting while supporting growth targets. 
• Provide accurate and timely reporting to regulatory agencies and develops new or updated reporting as regulations change to assure compliance at all times with regulatory reporting requirements.
• Approve loans and servicing requests within delegated authority, as well as assist in problem loan management activities.

POSITION SPECIFICATIONS

• Undergraduate degree in finance, economics, agriculture, business or related fields.
• Five to ten years of increasingly responsible job experience in credit analysis, loan underwriting and documentation, focusing on agricultural, commercial or commercial real estate.
• Three or more years of loan review and/or experience in policy and procedure development and implementation desired.
• Highly developed computer skills in spreadsheet applications, word processing, and database reporting software.
• Preference for Excel, PowerPoint & Word proficiency. Broad knowledge of bank lending department operations, procedures and regulatory reporting requirements.

For a full position description, please contact humanresources@americanfederal.net. 

Member FDIC
Equal Opportunity/Affirmative Action Employer
Including Protected Veterans and Individuals with Disabilities