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Regional Credit Officer

Company: American National Bank & Trust Company
Location: Raleigh
Posted on: September 13, 2020

Job Description:

The Regional Credit Officer is ultimately responsible for the credit quality of their assigned regions. Promotes the bank's growth while protecting asset quality. Reinforces the existing credit culture through consistent application of policy and sound decision making. Consults with local lenders to structure loans to serve the customers' needs while supporting the Bank's credit philosophy. Assures adherence to the Bank's credit quality standards. Has lending authority appropriate to experience and role. Continuously monitors asset quality and addresses changing circumstances. Interfaces regularly with the Executive Team, the Chief Credit Officer, Market Presidents, Regional Lenders, Loan Operations, Special Assets and Accounting.

ESSENTIAL FUNCTIONS

Works closely with the Regional Executives and the Chief Credit Officer to provide guidance and oversight for all lenders in their assigned regions.

Serves as a resource and liaison between local lenders and Corporate for loan policy interpretation, loan structure and underwriting options to protect the bank while meeting loan customers' needs.

Seeks to maintain an acceptable turn-around time on all loans to sustain our reputation as a service-oriented and personable community bank.

Coaches and trains others to develop their knowledge and ability to perform to standard.

Reviews, analyzes and approves loans within their loan authority.

Provides a thorough analysis and recommendations to the Chief Credit Officer on loans in excess of their loan authority.

Monitors the mix of the Regions' portfolio and constantly assesses and monitors local economy.

Serves as a member of their regions' Asset Quality Committees to monitor loan quality and provides input for asset disposition to Chief Credit Officer.

Monitors delinquent loans weekly to assure lenders are working past due loans and provides guidance to Special Assets.

Reviews borrower financial trends, economic and industry changes, and delinquency reports to identify potential changes in risk grade.

Conducts in-depth post-mortems on random sampling of loans to identify opportunities for improvement.

Reinforces the Bank's commitment to sustaining a quality credit culture.

Maintains a thorough knowledge of all American National Bank products, services, procedures, policies and appropriate regulatory issues relating to daily job functions including but not limited to: Bank Secrecy Act; Privacy; Fair Lending; Regulation E; deposit, transaction and loan accounts.

REQUIRED SKILLS

Extensive knowledge of sound credit underwriting and loan structure practices.

Highly analytical and able to identify and mitigate risks.

Ability to review large quantities of information and glean the critical factors necessary for decision-making.

Possesses the ability to identify trends and patterns.

Ability to make difficult decisions in a timely manner.

Must have superior time management skills.

Must have negotiation skills with the ability to identify options while maintaining standards.

Must be well organized.

Must be a strong communicator.

Good listening skills required; serve as a sounding board and gather facts, data quickly.

Must be detail-oriented.

Must be conscientious with the ability to establish and maintain policies and procedures consistently.

Assertive and able to apply and enforce standards to maintain asset quality goals.

Ability to establish trust and maintain productive relationships.

Takes initiative, maintains momentum.

Normal office working conditions.

Limited travel.

Flexible working hours as needed to complete the work.

Must have ability to work to pressing deadlines.

EDUCATION AND EXPERIENCE

Bachelor's Degree in Finance, Accounting or Business Administration.

5 plus years as a Commercial lender.

5 plus years in Credit Administration, underwriting.

MBA optional.

The above statements are intended to describe the general nature and level of work performed by people assigned to this classification. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

American National Bank is an equal opportunity employer. All applicants will be considered for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran or disability status.

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Keywords: American National Bank & Trust Company, Raleigh , Regional Credit Officer, Other , Raleigh, North Carolina

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