Regional Credit Officer

Summary

Lead and manage a team of Credit Analysts, Portfolio Managers and other support staff in all aspects of underwriting and credit risk management for a geographic region supporting Commercial Lending, and as necessary provide underwriting support for Private Client Services and Consumer Lending. Assist team in performing financial analysis and risk rating assessments on commercial & industrial loans and commercial real estate loans. Communicate and implement credit policy and practices within new loan production and review existing credits while providing guidance for policies, procedures, guidelines and risk assessment. In addition, partner with sales and documentation to improve the accuracy and efficiency of commercial loan processes and to further build customer relationships and enhance shareholder value.

Credit Administration

• Assist Chief Credit Officer in managing the risk associated with the distribution of bank loans
• In conjunction with the Chief Credit Officer, communicate and coordinate the implementation of credit administration Policies, Processes and Procedures that are consistent with the overall credit culture of the bank, sound lending principals, strategic initiatives and regulatory guidelines
• Maintain ongoing communication with all appropriate management on the status of new loan production
• Manage Credit Analyst team as required
• Utilize various monthly, quarterly, and annual reports regarding portfolio status, deal flow and workload to the Chief Credit Officer
• Utilize various monthly, quarterly, and annual reports regarding portfolio status, deal flow and workload to the Chief Credit Officer

New Loan Underwriting

• Absorb and provide financial and operating trends and financial statement analysis comments for review by the Commercial Lenders for initial opportunity assessment and strategic development
• Absorb and provide financial and operating trends and financial statement analysis comments for review by the Commercial Lenders for initial opportunity assessment and strategic development
• Perform cash flow and financial statement analysis by using advanced accounting skills on all applicants, complete collateral analysis and use all analytical tools provided to aid in the development of the loan write-up
• Collaborate with Market Presidents and Commercial Lenders in the preparation of complete and accurate loan write-up for presentation to the appropriate credit authorities for decisions on new loan requests
• Review of Commercial Loan Presentations
• Provide feedback to the Chief Credit Officer about the proper structure of loans and write-ups in preparation for the Executive Loan Committee

Portfolio Monitoring

• Provide accurate and impartial financial and risk analysis and credit investigation of existing customers
• Confirm the accuracy of Risk Rating Matrices along with the Commercial Lender’s approval and timely monitoring of the receipt of proper analysis of financial information provided by the customer
• Absorb and provide financial and operating trends and financial statement analysis comments for review by the Commercial Lenders for initial opportunity assessment and strategic development
• Underwrite reviews and renewals of existing credit facilities. Focus on appropriate due diligence, regulatory compliance and documentation accuracy
• Ongoing monitoring will concentrate on covenant and borrowing base compliance, review of trend analysis reports, and address possible default situations and ultimately identify any deterioration or changes in the customer’s capacity to follow the contractual terms of their agreement
• Oversee Annual Reviews/Renewals to insure assigned completion levels are attained
• Utilize various monthly, quarterly, and annual reports regarding portfolio status, deal flow and workload to the Chief Credit Officer to assess ongoing risk within the Commercial Loan Portfolio to ensure continued Asset Quality
• Serve as a point of contact with regard to Credit Administration, during reviews for the organization to Internal/External Auditors, Internal/External Loan Review, Credit Risk Management consultants, Federal Regulators (OCC)

Special Assets Support

• Support tactical plans by assisting Special Assets Manager with credit analysis, collateral assessments such as title work and appraisals, and documentation review
• Serve as a member of the organization’s Criticized Asset Committee

Education and Experience

• Bachelor’s Degree, preferably in Accounting, Finance, Economics; specialized training: AIB, Ohio Banking School, RMA, P/C preferred
• Minimum ten (10) years commercial lending related experience and/or training
• Strong accounting knowledge and understanding of the connection between the balance sheets and income statements; providing analysis of UCA cash flows; operating efficiencies; and borrowing causes
• Strong knowledge of Word, Excel and Financial Statement spreading/monitoring software