Credit Officer II

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
• Provide, present and promote The Citizens Experience to all external and internal customers.
• Review credit request/file for completeness.
• Spread financial statement and/or tax returns.
• Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE).
• Prepare an accurate, clear and concise RCE.
• If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments.
• Discuss credit requests with branch personnel and Credit Management Division.
• Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.

Qualifications

• Bachelor’s degree (B.A) from four year college or university; a minimum of five years related experience and/or training; or equivalent combination of education and experience.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Ability to apply concepts of basic algebra and geometry.

Reasoning Abilities

• Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form.
• Ability to deal with problems involving several concrete variables in standardized situations.

Physical Demands

• While performing the duties of this job, the associate is regularly required to sit and talk or hear.
• The associate frequently is required to use hands to finger, handle, or feel.
• The associate is occasionally required to walk and reach with hands and arms.
• The associate must occasionally lift and/or move up to 10 pounds.
• Specific vision abilities required by this job include close vision.

Work Environment

• The noise level in the work environment is usually moderate.

PAY AND BENEFITS

Salary range: $87,612.00 - $124,846.00
Position is eligible for an annual discretionary bonus.