Regional Credit Officer

Job Details

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
• Review loans for approval by assigned loan authority
• Chair/Co-Chair Regional Loan Committee
• Participate with sales personnel in customer meetings, effectively preparing so that all pertinent topics are covered that will contribute to a timely and thorough presentation of the loan write-up
• Provide feedback to the Chief Credit Officer about the proper structure of loans and write-ups in preparation for the Executive Loan Committee
• 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
• Provide general operating trends and financial statement analysis comments for review by the Commercial Lenders for initial opportunity assessment and strategic development
• Review of Commercial Loan Presentations
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as required
• Manage Credit Analyst team as