Bank Credit Officer I at Availa Bank

Sioux City, Iowa, United States -

Full Time

Start Date

Immediate

Expiry Date

15 Oct, 26

Salary

0.0

Posted On

17 Jul, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Analysis, Underwriting, Financial Statement Analysis, Risk Rating, Global Cash Flow Analysis, Loan Portfolio Management, Regulatory Compliance, Agricultural Lending, Team Management, Credit Policy Development, Risk Reporting, Commercial Real Estate Lending

Industry

Banking

Description

Description EEO Employer BANK CREDIT OFFICER I POSITION SUMMARY The Credit Officer I will evaluate and recommend approval of all loans, including, but not limited to, commercial real estate (CRE), commercial and industrial (C&I), Agricultural, Mortgage, and Consumer loans, all within delegated lending authority. The Credit Officer I position may also be directly responsible for managing a Credit Analyst team and will work collaboratively with the lending staff to create a smooth process for underwriting and managing a quality loan portfolio enterprise-wide. BANK CREDIT OFFICER I ESSENTIAL DUTIES AND ACCOUNTABILITIES Make and guide independent decisions on underwriting applications through evaluation of business and personal credit reports, financial statements/tax returns, and other underwriting information, and assure completeness and adherence to Bank Credit Policy Assist with the monitoring of loan performance in the bank’s portfolio and ensure loans are appropriately risk-rated in a timely manner Proficient in all areas of credit analysis; able to perform analysis of more complex credits, including global cash flow analysis Review and make recommendations as necessary to Credit Policy and implement required changes on a periodic basis Assist with credit risk reporting to include, but not limited to, enhancement and analysis of credit risk metrics, policy exception tracking, past due and watch list loan monitoring, and loan covenant tracking and compliance Keeps the CCO apprised of emerging market risks as well as any underwriting developments Assist CCO with all regulatory credit examinations and assist with outside auditors, including providing necessary documentation and reporting. Also, maintain adequate controls to ensure compliance with all statutes/regulations Manage the underwriting pipeline and coordinate prioritizing of credit requests between the Credit Analysts and Lending Staff Responsible for training and development of Credit Analysts and assisting personnel in all aspects of financial analysis Requirements BANK CREDIT OFFICER I ROLE QUALIFICATIONS: Education Bachelor’s degree in Business Administration and/or Finance or Accounting or equivalent combination of education and experience Experience Minimum of five (5) years of commercial lending and/or credit analysis experience or equivalent combination of both The ideal candidate will have: Minimum of one (1) year of experience in a Credit Officer role or similar experience Other Skills and Abilities Demonstrated proficiency in typing with speed and accuracy; basic keyboarding skills are required Strong knowledge of Bank policies and procedures Strong communication skills, both written and verbal Ability to interact with internal teams and customers with tact, diplomacy, and confidentiality Resourceful, innovative, and well-organized Ability to assess problems and/or unusual situations and develop logical solutions Ability to create a collaborative and motivating team environment Ability to develop and advance skills of staff Strong ethical focus; treats others with respect and consideration regardless of their status or position Thorough knowledge/understanding of legal and regulatory matters and industry trends Knowledge of agricultural lending Supervisory Responsibilities This position is responsible for supervising staff in accordance with the bank’s policies and applicable laws. Responsibilities include training employees; planning, assigning, and directing work; appraising performance; rewarding and taking corrective action with employees; addressing complaints and resolving problems.

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Responsibilities

The Credit Officer I evaluates and recommends approval for various loan types while ensuring adherence to Bank Credit Policy. This role also involves managing a team of Credit Analysts and collaborating with lending staff to maintain a quality loan portfolio.