SVP & Regional Credit Officer - Credit Officers

This position is hybrid, with a formalized schedule split between remote and office work. Consideration for location will be given at the following offices: Bank Plaza - Wheeling, WV; Fairmont Main - Fairmont, WV; Ironton - Ironton, OH; Perrysville - Pittsburgh, PA; Spring Street - New Albany, IN; Nashville LPO - Franklin, TN; Knoxville LPO - Knoxville, TN; Defiance Main - Defiance, OH; Ft Wayne Downtown - Fort Wayne, IN; Ann Arbor LPO - Ann Arbor, MI; Blue Ash - Cincinnati, OH; Market Street - Parkersburg, WV; Huntington Main - Huntington, WV; Akron Canton LPO - Uniontown, OH; Frankfort Main - Frankfort, KY; Indianapolis LPO - Carmel, IN; Chattanooga - Chattanooga, TN; Findlay Downtown - Findlay, OH; Cherry Street - Toledo, OH; Youngstown Main - Youngstown, OH; and Ft Lauderdale - Ft Lauderdale, FL.

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, this role has lending authority up to the bank’s legal lending limit and may serve as Chairman of future regional loan committees. The position assists the Chief Credit Officer in implementing and enforcing the bank’s Credit Policy and works with lenders and management to achieve the bank’s loan production, profitability, and credit quality objectives.

Supervisory Responsibilities

• Interviewing, hiring, and training employees
• Planning, assigning, and directing work
• Appraising performance
• Rewarding and disciplining employees
• Addressing complaints and resolving 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 are in place and effective
• Lead due diligence activities on prospective acquisition targets
• Conduct credit training as needed
• Maintain the highest ethical standards of conduct

Requirements

• Ability to analyze the most complex financial and legal documents
• Understand complex financial transactions and provide guidance or alternatives as appropriate
• 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 common 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
• Effectively present information to top management, public groups, and/or boards of directors
• Work with mathematical concepts such as probability and statistical inference, and fundamentals of plain and solid geometry and trigonometry
• Apply concepts such as fractions, percentages, ratios, and proportions to practical situations
• Define problems, collect data, establish facts, and draw valid conclusions
• Interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables
• Travel and occasional overnight stay may be required to conduct training sessions
• Proficient in Microsoft Office products including Excel, Word, and Outlook
• Ability to learn other software as needed
• Acquire and maintain proficiency in the Bank's policies and procedures, and adhere to all applicable laws, rules, and regulations
• Complete all assigned compliance training in a timely manner

Qualifications

• 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