What are the responsibilities and job description for the Senior Credit Officer position at UNITED COMMUNITY BANK?
Senior Credit Officer
Navitas Credit Corp is a leading financial services firm that was recognized by INC Magazine as one of the 5000 fastest growing companies in the United States. We provide financing to small and medium sized businesses throughout the United States to help them grow and stay competitive. With multiple offices across the country, we have an entrepreneurial culture where we are looking for talented individuals to join our team and grow with us.
REPORTS TO: Chief Credit Officer
DEPARTMENT: Credit - Ponte Vedra, FL
Summary: Oversee all aspects of the “Direct” underwriting function and review transaction requests from the “Indirect” business units that exceed their local credit authorities.
Key Responsibilities:
- Analyze financial statements, tax returns, credit reports, Dun & Bradstreet reports and other third party information to determine the borrower’s creditworthiness.
- Make credit decisions on transactions within assigned credit authority and make recommendations on transactions requiring local Credit Committee approval or UCBI Bank approval.
- Correspond and interact with Sales personnel to communicate the need for additional credit information as well as communicating justification for decisions.
- Maintain ownership of PD risk rating models/templates and make changes as necessary to ensure accurate rating process is in place for all credit decisions.
- Constantly review credit processes for changes to ensure maximum efficiency while maintaining sound credit decisions and provide training as necessary to ensure consistency across all business units.
- Maintain ownership for the LGD methodology and provide monthly and quarterly updates to corporate accounting.
- Maintain tracking log for all credit exposures in excess of $500M, including completion of any Annual and Quarterly Credit reviews necessary.
- Assist CCO in setting and maintaining sound Credit Policies.
- Perform timely performance reviews for all direct reports.
Education and other credentials:
- 4-year College or University degree preferred, or 10 years related experience and/or training, or equivalent combination of education and experience.
- Computer skills required: Excel spreadsheets
- Previous equipment leasing/loan industry experience required.
Technical / Functional skills and knowledge:
- Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.
- Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Works well in group problem solving situations.
- Excellent mathematical skills.
- Must be able to manage time continually prioritizing and re-prioritizing tasks in a efficient and effective manner.
- Must be organized and extremely detail oriented.
- Must be skilled in problem resolution.
- Must be able to multi-task.
- Must be able to apply general guidelines to an extremely non-standard set of circumstances and documents.
- Must be able to reason given similar and non-similar circumstances.
- Must be able to perform effectively under tight time constraints.
- Must be able to handle pressures both from external and internal customers.
- Must be able to work effectively with subordinates, peers, and managers from other departments.
- Must be able to resolve problems from both internal and external sources.
- Must have excellent written and oral communication skills to convey negative information to internal and external customers in a manner that protects Navitas and retains customers.
SUPERVISORY RESPONSIBILITIES:
- Supervise staff of analysts within the “Direct” underwriting process.
