Deputy Chief Credit Officer

About the role

This individual will be responsible for supporting the Chief Credit Officer in oversight of all credit administration activities for the Credit Administration Department.

Responsibilities

• Review & edit analysts’ written work, including underwriting, portfolio management, and risk rating recommendations
• Credit oversight for construction portfolio; Oversight of additional portfolios, such as small & medium sized business underwriting & approval, and portfolio management.
• Maintenance of the Bank’s third party commercial real estate reporting, including appraisals and appraisal reviews & environmental reports.
• Collaborate with Business Banking loan officers regarding loan structuring and negotiation, as needed.
• Develop new products and services, including recommendations for underwriting policies and procedures, as necessary.
• Using breadth and depth of credit knowledge, including experience with auditors, loan reviewers, and bank regulators, maintain asset quality in a safe and sound manner, ensuring Bank policies and procedures are safe, sound, and compliant with regulatory and accounting guidance.
• Produce portfolio management reporting for executive management and the board of directors, as necessary.
• Affirm credit facilities are documented and closed according to the approval.
• Proactively identify and recommend cross-sales opportunities.

Requirements

• College degree or equivalent experience required.
• Completion of a formal commercial credit-training program or equivalent.
• Minimum seven years of experience in Underwriting, Portfolio Management, Loan Administration, and/or Relationship Management with a heavy concentration on financial analysis, combined with deep experience with loan review, auditors, and regulators is required.
• Thorough knowledge of financial accounting theory and logic, loan structuring, commercial products and services is required.
• Excellent PC, software and financial analysis skills, as well as experience with team budgets.
• Excellent written and verbal communication skills; Strong interpersonal and presentation skills are required, particularly with a board of directors, loan reviewers, auditors, and bank regulators.
• Limited travel required; Ability to travel/spend time outside the Bank at business locations.
• Advanced knowledge of FASB and state and federal banking regulations are keys to success in this role.