Job Description

RESPONSIBILITIES :

• Takes independent responsibility for the credit process.
• Ensures that all loans are reviewed or renewed prior to the maturity or reaffirmation date.
• Proactively engages the bank’s Credit Department to coordinate the credit analysis and underwriting of loan transactions.
• Maintains timeliness and accuracy of credit analysis and underwriting work product.
• Ensures the accuracy of credit packages prior to completion and submission to the appropriate approver.
• Actively escalates any credit quality issues or deficiencies within 24 hours of identification.
• Maintains consistent customer contact (Owner, Principal, Controller, CFO, or CEO), to obtain requisite credit information.
• Coordinates with internal and external parties (appraisers, environmental engineers, attorneys, title companies) to close and modify loan transactions.
• Works with the relationship team to mitigate past dues and exceptions.
• Reviews and signs off on advance requests and borrowing base reports.
• Participates on phone calls and/or face to face meetings with prospective and existing clients.

REQUIREMENTS :

• HS Diploma or equivalent
• Bachelor’s Degree in Business Administration, Finance, Accounting or related field required; 3 additional years of commercial credit underwriting and analysis experience may be substituted for bachelors degree.
• 3+ years of commercial credit, financial statement analysis, portfolio management and customer service experience required
• Formal credit training is a plus

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