Credit Risk - Senior Credit Officer

At our Bank, we believe common sense is more than just banking. We believe in finding financial solutions that cater specifically to our client's needs. We are looking for talented associates who understand the complexities of life and will offer simple solutions that best fit the needs of our clients.

If this is what you believe in, then you're definitely right for us. And, we might be the right bank for you.

As a Senior Credit Officer, you will be responsible for underwriting and decisions on business credits received from the Commercial Relationship Management team in compliance with the Bank's lending policies and procedures. You will be responsible for a variety of tasks including utilizing various tools on financial statement analysis, company information, industry information and calls to the client, identifying risk on loans and mitigate while identifying cross sales and pre-approvals, documenting declines including any discussions that take place, helping design new credit policies, processes and procedures, and approve credits up to legal limit while maintaining an appropriate credit risk level. As the Senior Credit Officer, you will manage monitoring of and renewals of credits, work with department to maintain the corporate credit policy and manage client credit files, and recommend changes in the credit policy to senior management.

Additionally, Senior Credit Officers are expected to personally investigate the largest clients credit applications, visit the largest clients to establish relationships, and monitor periodic credit reviews. You will participate in meetings, special projects and training when needed, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements: To be considered for this position, you must possess the following qualifications.

• Bachelor's degree in Business Administration, Accounting, Auditor or equivalent combination of education and related work experience.
• 10 years of progressive job related experience.

Desired Qualifications: To be considered an ideal candidate, you should possess some of the following qualifications:

• Advanced degree or certification related to field.
• 12 years of commercial credit experience.
• Previous managerial experience.
• Thorough knowledge of credit-related laws.

Skills and Abilities: Below is a general list of desired skills and abilities; this is not an exhaustive list.

• Judgment and decision-making ability
• Accuracy and attention to detail
• Demonstrated integrity and ethical standards
• Strong project management and multi-tasking skills
• Exceptional verbal, written and interpersonal communication skills; ability to apply a common sense approach to issue resolution.
• Well-developed analytical skills; ability to assimilate large volumes of information, prioritize issues, form conclusions, determine appropriate action, and effectively translate complicated concepts into simple and understandable communications.
• Strong knowledge of banking laws and regulations and appraisal process related.
• Ability to write policies and procedures for risk related functions.
• Ability to work with other business unit leaders on committees and on projects to address risk issues.
• Proficient in MS Office applications which include Outlook, Word, Excel, and PowerPoint.

Work Environment:

• Office setting with traditional hours.
• Standing for extended periods of time (typically no longer than 8 hours).
• Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours).
• Must be able to push, pull, pull up, bend at the knees and waist, twist body at the waist, raise and hold arms overhead, turn head-neck-shoulders as needed, grasp and hold tools and other items with hands, for either extended periods of time or many times throughout the workday.
• Must be able to work overtime to the extent necessary.
• Must be able to travel - estimated at 25% to 50% of the time.

The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

Thank you for your application!
The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.