SUMMARY OF THE POSITION:
The Senior Credit Officer makes and services a variety of business and individual loans and lines of credit, both secured and unsecured. Provides guidance and direction to junior loan officers and other staff members and resolves customer problems. Calls on potential or existing customers to develop new business and increase or retain existing business relationships. Keeps informed as to the status of loans in their portfolio. He or she provides financial counsel to current and prospective customers and guidance to subordinate officers. This officer level handles all types of loans and directly handles or assists with more complex loans. This level may be granted lending authority and allowed to makes loans within that authority. Generally this position requires eight or more years of commercial lending experience.
DUTIES AND RESPONSIBILITIES:
- Provides guidance and direction to junior loan officers and other staff members and resolves customer problems.
- Develops and maintains quality customer relationships; including business/personal loans and deposits, also develops prospect list and calls to solicit new relationships.
- Makes and services a variety of business and individual loans and lines of credit, both secured and unsecured.
- Under general direction, underwrites credit requests and prepares and reviews credit write-ups for approval.
- Monitors and keeps informed on status of loans in assigned portfolio.
- Performs and assists in other miscellaneous duties as may be assigned.
- Responsible for assigned customer credit quality, net yield on loans and origination/funding of loans consistent with the Bank’s credit policies.
- Represents the bank at select civic and community functions to develop additional business.
- Assist senior management in analyzing and structuring credits.
- Monitors the bank’s customer Commercial Account Analysis program to insure that account relationships assigned are operating on a profitable basis.
- Complies with the requirements of the Community Reinvestment Act (CRA).
- Meets measurable goals and objectives assigned annually by December 31st.
EDUCATION: Preferred Bachelor’s degree in a finance or related field.
EXPERIENCE: Eight or more years directly related experience. Limited use and/or application of basic principles, theories and concepts. Basic knowledge of credit principles and banking products. Cross selling and sales skills. Ability to handle multiple assignments simultaneously. Effective interpersonal, verbal and written communication skills. Working knowledge of computers and computer software such as Microsoft Word, Microsoft Outlook, Excel and the Internet. Knowledge of office machines typically used in a banking center such as 10-key adding machine, facsimile and copy machines.
This position requires the candidate to be computer literate and proficient in multiple computer skills; possess good communication skills, both written and oral; detailed-oriented self-starter and have the ability to meet deadlines and plan and prioritize their own work and the work of others.
Constant multi-tasking environment, numerous work interruptions, high volume of interaction with personnel and management, and some customer contact. The work environment is characteristic of those an employee encounters while performing the essential functions of this job.
TYPICAL PHYSICAL DEMANDS:
Requires the ability to exert a small amount of physical effort in sedentary to light work involving moving from one area of the office to another; ability to reach; lift and carry 5-10 pounds; sufficient hand/eye coordination to perform semi-skilled repetitive movements, such as data entry and/or use of other office equipment or supplies; requires the ability to exert a moderate amount of physical effort to stoop, crouch, squat, and climb in the performance of assigned duties; and requires the ability to operate a motor vehicle. Talking, hearing, prolonged sitting and complex problem solving.
- The typical physical demands described here are representative of those that must be met by the employee to successfully perform the essential functions of the job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.