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Senior Regional Credit Officer (SRCO)

The Senior Regional Credit Officer (SRCO) serves as the key resource in the on-going management of credit risk for the client’s commercial loan portfolio within the Florida market. The client has had tremendous success building their commercial portfolio across a variety of industries. This position will help drive expansion of the client bank’s presence across Florida.

Job Description

Senior Regional Credit Officer (SRCO)

Our client is seeking an experienced Senior Regional Credit Officer (SRCO)to join their Credit Risk leadership team. This role will report to the Chief Credit Officer and provide credit decisions and credit underwriting strategy and execution including setting credit policy for the client’s loan portfolio; achieving short and long term financial objectives; ensuring compliance and mitigate risk; anticipating industry trends; and advancing the reputation and services of the client bank.

Essential Job Functions

Manages the credit process consistent with Corporate and Credit Policy and establishes underwriting guidelines to serve as the central point in deciding credit exposure for new and existing relationships within an assigned region.

Duties And Responsibilities:

• Reviews, underwrites and makes decisions on loan requests within stated lending authority; involve next higher level authority level when deal size or complexity warrants.
• Maintains credit quality standards for the region adhering to Corporate Policies and the bank’s credit culture.
• Responds promptly to credit requests to determine feasibility and nature of analysis to be conducted.
• Assumes responsibility for coaching, mentoring, training and guidelines to less experienced Regional Credit Officers.
• Supports regional lending team in the structuring and delivering of credit products to meet client needs.
• Works with commercial bankers and underwriter to manage the analysis and documentation to produce a focused, concise underwriting package. Follow deal from initial request through final documentation.
• Ensures compliance with credit policy and appropriate reporting.
• Ensures strong credit culture as well as an effective and efficient approval process.
• Balances a strong asset quality focus while supporting a strong business development plan.
• Acts as a highly visible customer contact working as a member of the regional management team in relationship banking model.
• Understands, underwrites and manages the portfolio in accordance to the regional and corporate risk profile.
• Identifies critical issues and propose alternative structures and financing solutions.
• Meets with client or prospect to clear any conditions of approval or unresolved issues. Call activity would promote new business due diligence, selling the client and addressing deteriorating situations.
• Demonstrates credit judgment, size and scope of assigned credit portfolio to determine level of credit risk exposure that will be assigned on any given relationship.
• Discusses changes with the commercial banker to resolve any conflicts between the client’s needs and the bank’s structure as needed.
• Establishes and executes monthly and quarterly reporting of regional portfolio metrics concentrating on credit risk management.
• Reviews and makes annual recommendations on individual lending authorities for regional credit officers and other credit approval officers as appropriate.
• Models, projects and tracks actual versus potential charge-offs, NPL’s, criticized and classified assets and overall credit quality of the regional structure for performance measurement.
• Provides technical advice and assistance to relationship managers in the evaluations and structuring or restructuring of commercial credits within the portfolio.
• Ensures satisfaction of compliance and regulatory related issues.
• Makes recommendations for loans going to senior level loan committee.
• May manages and directs other Regional Credit Officers as well as Credit Analysts.
• Provides feedback to assist in the training and directing of credit analysts and their role in preparing loan proposals, risk assessment and analysis of financial information.
• Develops and recommends plans for expansion of existing programs, operations or credit related activities.
• Participates and reviews all criticized and classified assets for the region and participates in the quarterly Criticized Asset meeting.
• Participates regularly in Senior Loan Committee.
• Prepares presentations and participates in Directors Credit Risk Committee as needed.
• Covers authority level during absence of Chief Credit Officer for the organization as needed,
• Solicits, with regional management, new business opportunities and participates in community or other services/activities.
• Completes credit related project lead on periodic basis.
• Maintains a good working relationship with all bank employees. Demonstrates the ability to work independently. Works as a team player to contribute to the success of the department and in turn the organization.
• Assumes additional duties and responsibilities as assigned.
  
  

Qualifications

Senior Regional Credit Officer (SRCO)

Qualifications

• Bachelors’ degree in finance, accounting, statistics or a related field. MBA/CPA/Graduate School of Banking a plus.
• 10 years of commercial banking experience in credit administration, analysis, and risk mitigation with direct credit approval and supervisory experience in commercial real-estate, construction, and commercial and industrial lending and leasing.
• 7 years of progressive leadership experience.
• Knowledge in common data management and reporting software. Banking/Lending experience required.
  
  

COMPUTER AND EQUIPMENT SKILLS:

Proficient working knowledge of PC for Windows, Microsoft Office Suite (Word, Excel, and PowerPoint), Internet, Email and Gate City Bank software systems and equipment applicable to the position. Understanding of how to use the following equipment: computers, fax machines, copiers, scanners and printers.

OTHER SKILLS:

• Strong understanding of loan underwriting, the lending process, and controls and policies governing the lending process for consumer and small business loans.
• Strong understanding of legal and regulatory guidance governing bank lending.
• Small and middle market lending and credit experience, specifically in C & I and CRE..
• Problem Loan management and allowance for loan loss management and methodology experience.
• Strong management and partnering skills.
• Excellent written and verbal communication skills.
• Ability to maintain confidentiality.