REGIONAL CREDIT OFFICER - CRE

About the role

CSB Coastal States Bank was founded on the relationships we build with each other and the communities we serve. At Coastal States Bank, we seek dedicated individuals who will strive to provide excellent customer service and help us achieve our values. This position requires full-time hours Monday through Friday. This position is not fully remote or hybrid. The work location is within our corporate office on Galleria Parkway. This role requires candidates to be locally based in the Atlanta region due to the necessity of regular, ongoing travel to various company sites on a weekly basis. Pay is commensurate to experience in banking experience within Underwriting CRE. Only qualified candidates will be contacted. Benefits Include 401(k) & Company Match AD&D insurance Bankers School Career Planning Dental Insurance Disability Insurance Employee Assistance Program Flexible Spending Account Medical Insurance Health Savings Account Life Insurance (Dependents & Spouse) Paid Family Medical Leave Paid Federal Holidays Paid Time Off Referral program Vision Insurance.

Responsibilities

• To assess and determine the financial condition, repayment capacity and character of borrowers and guarantors through the review and analysis of financial information including accountant or internally prepared financial statements, tax returns, personal financial statements, liquidity statements, business and personal credit reports in accordance with the bank’s loan policies and underwriting guidelines.
• To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, purchase invoices and other collateral information based on the bank’s loan policies and underwriting guidelines.
• To write credit memos, loan reviews, and other reports summarizing information about new or existing borrowers including: the purpose of the loan, the experience/background of the borrower, the financial condition of borrowers and guarantors, repayment capacity, collateral adequacy, industry/market and using that information to evaluate a loan’s conformity to the bank’s lending guidelines/policies and banking regulations.
• To present and make recommendations to Directors and Bank Management in order to extend credit. The credit memo is summarized with risk grading of the loan and any other pertinent conditions to extend credit.
• To maintain strong familiarity with current market dynamics within supported markets that impact the performance of commercial real estate assets including industrial, multifamily, retail, hospitality, office, self storage, residential construction, and senior housing.
• To assist Bank Management in the timely monitoring of credit risk.
• To contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Chief Credit Officer.

Qualifications

• Excellent verbal and written communication skills
• Excellent organizational, multi-tasking and time management skills
• Excellent decision-making skills
• Ability to analyze medium to high level complexity credit
• Facilitates teamwork
• Proficient computer skills