Regional Credit Officer

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy.

Requirements

• Oversees the regional loan portfolio, including monitoring concentrations, emerging risks, portfolio trends, and overall credit quality to ensure alignment with the bank’s risk appetite.
• Utilizes financial statement analysis, company and industry information, and client conversations to identify risk on loans and mitigate; recommends cross-sell opportunities and pre-approvals.
• Documents declines, including any related discussion pertinent to the decision.
• Works with the lending team to ensure that new and existing loans are properly documented, compliant to regulation, properly structured and lien positions are appropriately perfected.
• Approve or reject loans within delegated authority and approved risk limits including where difficult questions of policy or credit risk may be involved.
• Provide guidance to the credit and lending staff on the interpretation of current, new and pending laws, regulations and industry changes that affect the organization’s credit practices and regulatory exposure.
• Keeps the Senior Credit Officers, Chief Credit Officer and lending leadership informed of any material considerations affecting the loan portfolio, loan policy, regulatory compliance and performance of managed portfolio.
• Recommends any updates and changes to the Bank’s credit procedures to protect the asset quality of the bank and to create operational efficiencies.
• Actively participates in and completes all assigned training and development sessions/initiatives.