Senior Credit Officer

Job Summary:

The Senior Credit Officer is responsible for establishing, implementing, monitoring and overseeing all aspects of credit risk management practices across commercial, consumer, and residential mortgage portfolios.

Essential Functions and Responsibilities:

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  Oversee Bank lending activities and the development, management, and administration of loan policies to ensure the quality and integrity of the Bank's lending portfolio.

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  Conduct the recruitment, training, supervision, and mentorship of credit analysts.

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  Conduct comprehensive evaluations of loan summaries, ensuring the accuracy and thoroughness of financial statement analyses, debt service coverage calculations, and collateral position.

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  Ensure accurate and timely risk rating of loan portfolio.

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  Approve or deny loans in accordance with the established lending limit.

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  Present alternative credit options and innovative credit structures to ensure transactions comply with profitability targets and portfolio risk guidelines.

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  Track delinquency across all loan portfolios and support lenders with collection activities.

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  Prepare a variety of board and regulatory reports, including those related to ACL, credit concentration, and stress testing.

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  Responsible for setting specific reserves for distressed credits and qualitative factors for various segments of loan portfolio.

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  Lead quarterly problem loan reporting process, presenting recommendations to Executive Loan Committee.

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  Manage Bank-owned real estate and work with developers, realtors, and others to market and quickly dispose of OREO assets.

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  Have a solid understanding of all applicable banking regulations to ensure the safety and soundness of the Bank.

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  Coordinate and serve as the primary liaison for internal and external audits and regulatory exams relating to credit quality.

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  Manage a portfolio of complex commercial credits.

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  Chair Loan Review Committee and serve as a voting member.

Education/Experience/Licenses/Certifications:

• Bachelor's degree in Finance, Accounting, Business Administration, or a related field.
• A Master's degree or relevant professional certification such as CFA or CPA is preferred.
• Minimum of 7 years of experience in credit analysis, risk management, or related financial services roles.
• Proven track record of managing complex credit portfolios and making informed credit decisions.
• Experience in a senior or leadership role within a banking or financial institution is highly desirable.
• Demonstrated experience in developing and implementing credit policies and procedures.

Knowledge/Skills/Abilities:

• Strong analytical skills with the ability to assess financial statements, credit reports, and market data.
• Excellent decision-making skills with a keen eye for detail and accuracy.
• Proficient in using financial analysis software and tools.
• Strong communication and interpersonal skills to effectively interact with clients, colleagues, and stakeholders.
• Ability to work independently and collaboratively within a team environment.
• High level of integrity and professionalism with a commitment to maintaining confidentiality.
• Strong organizational skills with the ability to manage multiple priorities and meet deadlines.