Regional Credit Officer

Responsibilities

• Oversees the regional loan portfolio, including monitoring concentrations, emerging risks, portfolio trends, and overall credit quality to ensure alignment with the bank’s risk appetite.
• Utilizes financial statement analysis, company and industry information, and client conversations to identify risk on loans and mitigate; recommends cross-sell opportunities and pre-approvals.
• Documents declines, including any related discussion pertinent to the decision.
• PARTNERS WITH RELATIONSHIP MANAGEMENT TEAM (RELATIONSHIP MANAGERS, PORTFOLIO MANAGERS, CREDIT ANALYSTS) TO PROVIDE FEEDBACK ON PROPER LOAN STRUCTURING AND PRICING TO ENSURE LONG-TERM ASSET QUALITY.
• WORKS WITH THE LENDING TEAM TO ENSURE THAT NEW AND EXISTING LOANS ARE PROPERLY DOCUMENTED, COMPLIANT TO REGULATION, PROPERLY STRUCTURED AND LIEN POSITIONS ARE APPROPRIATELY PERFECTED.
• Participate in customer calls and prepare client presentation materials as requested by relationship management team. Provide credible challenge and constructive feedback on client selection.
• APPROVE OR REJECT LOANS WITHIN DELEGATED AUTHORITY AND APPROVED RISK LIMITS INCLUDING WHERE DIFFICULT QUESTIONS OF POLICY OR CREDIT RISK MAY BE INVOLVED.
• PARTICIPATES IN VARIOUS MEETINGS, SUCH AS LOAN COMMITTEE MEETINGS, PORTFOLIO REVIEWS, ASSET QUALITY MEETINGS, ETC. TO ENSURE CREDIT STANDARDS ARE FOLLOWED ACROSS THE ASSIGNED PORTFOLIO.
• PROVIDE GUIDANCE TO THE CREDIT AND LENDING STAFF ON THE INTERPRETATION OF CURRENT, NEW AND PENDING LAWS, REGULATIONS AND INDUSTRY CHANGES THAT AFFECT THE ORGANIZATION’S CREDIT PRACTICES AND REGULATORY EXPOSURE.
• KEEPS THE SENIOR CREDIT OFFICERS, CHIEF CREDIT OFFICER AND LENDING LEADERSHIP INFORMED OF ANY MATERIAL CONSIDERATIONS AFFECTING THE LOAN PORTFOLIO, LOAN POLICY, REGULATORY COMPLIANCE AND PERFORMANCE OF MANAGED PORTFOLIO.
• RECOMMENDS ANY UPDATES AND CHANGES TO THE BANK’S CREDIT PROCEDURES TO PROTECT THE ASSET QUALITY OF THE BANK AND TO CREATE OPERATIONAL EFFICIENCIES.
• ACTIVELY PARTICIPATES IN AND COMPLETES ALL ASSIGNED TRAINING AND DEVELOPMENT SESSIONS/INITIATIVES.

Qualifications

• Bachelor’s degree in Business or related field required. Accounting or Finance degree strongly preferred.
• Minimum 5 years of progressive experience in commercial credit analysis with exposure to various loan types, sizes, and complexities.
• Demonstrated knowledge of credit administration and analysis, credit risk assessment as well as banking laws and regulations/regulatory requirements.
• Ability to interface effectively and professionally with senior/executive level management.
• Proficient in the communication of technical information both verbally and in writing to both technical and non-technical audiences.
• Ability to travel in order to develop and maintain customer base and attend training/development sessions.
• Ability to work after Bank operating hours and/or on the weekend.
• Must have excellent judgement and decision-making skills with the ability to effectively resolve escalated concerns from the staff and stakeholders.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, accountability, and attention to detail.

About the Role

PlainsCapital Bank is a Texas-based financial institution founded in 1988 by a group of young bankers who aimed to bring relationship banking to their hometown of Lubbock. Over 30 years later, the bank has grown to hold a significant position in the state of Texas, with approximately 55 locations across various markets. PlainsCapital Bank offers a comprehensive range of commercial and consumer banking services, emphasizing personalized service and a single point of contact to help customers achieve their financial goals.