What are the responsibilities and job description for the Credit Officer position at CMYK-WHT midnight background?
The Credit Officer I is responsible for evaluating loan applications, assessing creditworthiness, and ensuring compliance with the bank’s credit policies. This entry-level role involves analyzing financial statements, conducting risk assessments, and assisting in loan processing while maintaining excellent customer service.
- Review and analyze loan applications to determine borrower eligibility; Assess financial documents, credit reports, and collateral to evaluate risk
- Verify customer information and ensure compliance with internal and regulatory guidelines.
- Monitor existing loan accounts to ensure timely repayments and risk management
- Assist internal clients with loan inquiries and provide guidance on the application process; Communicate loan decisions and explain terms and conditions to customers; Maintain positive relationships with internal clients and address their concerns
- Ensure all credit documentation is complete, accurate, and properly filed; Adhere to banking regulations, lending policies, and industry standards; Assist in preparing reports on credit performance and portfolio quality
- Work closely with senior credit officers, loan officers, and risk management teams
- Support the development of credit policies and procedures
Qualifications:
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field
- Minimum 5 years of progressive experience in commercial credit analysis including but not limited to varied loan and facility types, sizes and levels of complexity, portfolio management, or a related banking role
- Strong analytical, problem-solving, and decision-making skills
- Knowledge of financial analysis, credit risk assessment, and banking regulations
- Excellent communication, negotiation, and customer service skills
- High attention to detail and ability to work under pressure
Skills:
- Advanced knowledge of Microsoft Excel and MS Word and Loan Management Systems; basic keyboarding and calculator skills; must be able to do complex math and carry out complex written instructions
- Travel to variety of locations to perform work and/or attend meetings as required.
- Work occasionally requires more than 40 hours per week to perform the essential functions of the position
ANBTX strongly encourages candidates that are fluent in English and Spanish to apply. Jobs that specifically require candidates to be bilingual will be posted as a requirement.
