SVP & Regional Credit Officer - Credit Officers

This position is hybrid, with a formalized schedule split between remote and office work. Location consideration will be Bowie, Maryland.

About the Role

This position will have primary lending authority up to $25 million to decision credit requests from all lending regions of the bank. As a voting member of the Executive Loan Committee, you will have lending authority up to the bank’s legal lending limit and may serve as Chairman of future regional loan committees. The role assists the Chief Credit Officer in implementing and enforcing the bank’s Credit Policy while working with lenders and management to achieve the bank’s loan production, profitability, and credit quality objectives.

Supervisory Responsibilities

• Interview, hire, and train employees
• Plan, assign, and direct work
• Appraise performance, reward, and discipline employees
• Address complaints and resolve problems

Responsibilities

• Attend all Executive Loan Committee meetings as a voting member
• Attend future Regional Loan Committee meetings as Chairman
• Decision individual credits up to lending authority limit
• Assist the Chief Credit Officer in implementing and enforcing the bank’s Credit Policy
• Assist in the preparation and review of the 10-K and 10-Q regulatory reports
• Collaborate with bank examiners and external auditors to ensure appropriate financial reporting and lending safeguards
• Lead due diligence activities on prospective acquisition targets
• Conduct credit training as needed
• Maintain the highest ethical standards of conduct
• Acquire and maintain proficiency in the Bank’s policies and procedures, adhering to all applicable laws and regulations
• Complete all assigned compliance training in a timely manner

Skills

• Analyze complex financial and legal documents
• Understand complex financial transactions and provide guidance or alternatives
• Effectively communicate acceptable credit structures to lenders and customers
• Excellent written communication skills
• Read, analyze, and interpret common scientific and technical journals, financial reports, and legal documents
• Respond to inquiries or complaints from customers, regulatory agencies, or members of the business community
• Write speeches and articles for publication that conform to prescribed style and format
• Present information to top management, public groups, and/or boards of directors
• Work with mathematical concepts such as probability, statistical inference, geometry, and trigonometry
• Apply fractions, percentages, ratios, and proportions to practical situations
• Define problems, collect data, establish facts, and draw valid conclusions
• Interpret technical instructions in mathematical or diagram form and deal with abstract and concrete variables
• Proficient in Microsoft Office products including Excel, Word, and Outlook
• Ability to learn other software as needed

Travel and occasional overnight stays may be required to conduct training sessions.

Requirements

• High school diploma or GED required
• Bachelor’s degree in Finance or Accounting required
• Minimum of 15 years in Banking with lending and/or credit experience

Pay

$275,000 - $295,000 annually

Benefits

• 27 days of PTO (Paid Time Off)
• 5 days of STD (Short Term Disability)
• 11 annual paid holidays
• 1 float holiday
• Medical, dental, and vision coverage
• Health Care Flexible Spending
• Dependent Care Flexible Spending
• Transportation Fringe Benefit Plan
• Group Life and Long Term Disability insurance
• Optional Life insurance
• Voluntary benefit products (Cancer, Term & Universal Life, Accident, Short-Term Disability, Critical Illness policies)
• Ancillary benefit products
• 401(k) with employee match