Credit Officer at Golden Bank, N.A.

 Job Function

• Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
• Maintain the integrity of the credit management process by enforcing Bank policies and procedures
• Assist CCO in preparation & implementation of CECL
• Review new and renewed loans before loan committee, attend loan committee meetings and discuss new and renewed loans, delinquent loans, and any adversely rated loans.
• Aggregate and evaluate data related to credit and credit risk to support organizational decision-making
• Ensure that credits are accurately risk graded, appropriately structured, and that sources of repayment and key credit risks are accurately identified and mitigated as appropriate
• After-funding loan review and recommends loan grade changes if appropriate.
• Monitor past due and matured loan reports to ensure proper actions are being taken. Review maturing loan reports to assist loan officers with avoidance of administrative delinquencies. Identify all material changes and potential for risk rating downgrade.

• Provide credit review and evaluation for assigned commercial borrowers in support of Bank’s credit activities. 

• Review real estate appraisals and prepares an appraisal review form as needed 
• Assist Senior Management with OREO's as needed
• Additional duties as assigned as it relates to the position

Knowledge, Skills & Abilities

• Broad knowledge of regulatory requirements and standards applicable to commercial lending, commercial real estate and residential mortgage products. 
• Superior credit analysis skills
• Strong commercial underwriting skills
• Ability to logically assess and address potential risks and uncertainties
• Ability to work independently
• Strong analytical and problem-solving skills
• Strong verbal and written communication skills
• Attention to details and accuracy
• Strong organizational skills.

Professional Experience

• 5 to 7 years of experience in commercial lending (C&I and CRE) including underwriting and approval, with at least 2 years in commercial banking or commercial real estate loan production
• At least 5 years in a credit approval function with a commercial bank preferred. 
• 3 to 5 years prior supervisory experience preferred

Education

• Requires bachelor’s degree in accounting, economics, finance or a related field