Senior Credit Officer
Senior Credit Officer
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Job Description
Job Details
Start a challenging and rewarding career with American Federal a financially strong employeeowned community bank offering toptier benefits paid time off an exciting work environment and more!
POSITION OVERVIEW
This position is a lead member of the Credit team which is responsible for managing all Credit Risk functions at the Bank. The areas of responsibility include review and monitoring of the existing portfolio. This includes identifying credit weaknesses or areas to improve and then developing the policy procedures tools and training to impact change. Responsibilities include assisting bankers in business development strategies pricing identifying target markets approving loans within delegated authority and developing training for both new and experienced bankers.
ROLES AND RESPONSIBILITIES
- Identify current and possible future credit risks that may cause American Federal to exceed credit loss tolerances.
- Complete loan reviewsto assure compliance with Credit Policy and evaluate Credit Administration of Business Units and individual Bankers.
- Provides expertise in various lending issues and applications including expertise in numerous specialized areas of lending.
- Monitors the banks loan portfolio to assure Bankers are consistently and conservatively underwriting Commercial / Agricultural loans while supporting portfolio growth targets.
- Provides accurate and timely reporting to regulatory agencies and develops new or updated reporting as regulations change to assure compliance at all times with regulatory reporting requirements
- Continually provides strategic guidance thoughts and ideas to bank management to grow and improve the overall financial health of the bank.
POSITION SPECIFICATIONS
- Undergraduate degree in Finance Economics Agriculture Business or related fields.
- Five to ten years of increasingly responsible job experience in credit analysis loan underwriting and documentation focusing on agricultural commercial or commercial real estate.
- Three or more years of loan review and/or experience in policy and procedure development and implementation desired.
- Highly developed computer skills in spreadsheet applications word processing and database reporting software. Preference for Excel PowerPoint & Word proficiency.
- Broad knowledge of bank lending department operations procedures and regulatory reporting requirements.
For a full position description contact
Member FDIC
Equal Opportunity/Affirmative Action Employer
Including Protected Veterans and Individuals with Disabilities
Required Experience:
Senior IC
Employment Type
Unclear
