Senior Regional Credit Officer

Senior Regional Credit Officer 1's have overall responsibility for credit policy, large loan approval, analysis of commercial loan portfolio activities of lending departments within assigned geographic location. Level 1 Credit Approval Officer Position with up to $15MM in loan approval authority. (See Credit Policy 435 - Loan Approval Grid for authority details).

• Oversight responsibility for lending activities of all assigned Relationship Managers (RMs) and Portfolio Managers (PMs) to include Credit Approval, Policy and Credit Analysis, Structuring and Underwriting issues.
• Provides input on policy changes to the Director, Credit Risk Administration and administers the Credit Policy in approval decisions and through oversight of the activities of assigned commercial lenders and the administration of their portfolios.
• Provides feedback to assist in the training and directing of Portfolio Managers in their role of preparing credit proposals, risk assessment, analysis of financial information and credit review.
• Develops and recommends plans for expansion of existing programs, operations or credit activities to include 2 Dimensional Risk Rating (2DRR) activities.
• Responsible for approving commercial loans in excess of the CCS (Commercial Credit Solutions) centralized approval thresholds.
• Final authority relative to the assignment of the 2 Dimensional Risk Rating (2DRR) whenever a loan is approved or renewed under his/her individual loan authority.
• Approves or declines loan requests in accordance with maximum lending authority assigned and when above that amount, makes recommendations to either a Sr. Regional Credit Officer or Chief Commercial Credit Officer.
• Participate regularly in assessment meetings for the purpose of monitoring the quality and status of assigned commercial loan portfolios. These meetings will include the Regional and Super Watch Committees, as well as other Asset Quality meetings as deemed necessary by Management. This is in addition to daily monitoring responsibilities relative to overdraft, delinquency and borrowing base issues, as well as monitoring and approving loan agreement and collateral exceptions within overall authority limits.
• Solicits new business and participates in community or other service programs to develop goodwill.
• Analyzes and complies with government laws and regulations. Interface regularly with both internal auditors and external regulators, specifically the FDIC.
• Regularly available to travel within assigned region, as well as to company headquarters.
• Exercises lending and mentoring authority over the RMs and PMs assigned. The number of lenders assigned will vary per geography, but will at a minimum include 15 lenders. Carries out oversight responsibilities in accordance with the organization's policies and applicable laws. Develops RM and PM skills and encourages growth. Continually works to improve mentoring skills.
• Incumbent is required to comply with all applicable federal, state, and local banking and industry related laws and regulations including but not limited to the Bank Secrecy Act.

Generally, will not have direct supervisory responsibilities. However, the SRCO 1 will exercise lending and mentoring authority over the RMs and PMs assigned to him or her. The number of lenders assigned will vary per geography, but will at a minimum include 20 lenders. Carries out oversight responsibilities in accordance with the organization's policies and applicable laws. Develops RM and PM skills and encourages growth.

MINIMUM REQUIRED EDUCATION, EXPERIENCE & KNOWLEDGE:

• Bachelor's degree in Finance or related field required. Master's degree in Finance preferred.
• 10 to 15 years of related experience and/or training
• An equivalent combination of education and experience may be considered
• Ongoing continuing education, specifically relative to RMA (Risk Management Association) seminars and classes
• Maintain a current and extensive knowledge base of all applicable commercial regulatory requirements, laws, and associated guidance as well as maintain a high degree of familiarity with industry best practices
• Ability to very quickly make sound decisions in the course of exercising lending authority in order to be responsive to clients and to meet competitive pressures

• Ability to travel if required to perform the essential job functions
• Ability to work under stress and meet deadlines
• Ability to operate related equipment to perform the essential job functions
• Ability to read and interpret a document if required to perform the essential job functions
• Ability to lift/move/carry approximately 10 pounds if required to perform the essential job functions. If the employee is unable to lift/move/carry this weight and can be accommodated without causing the department/division an "undue hardship" then the employee must be accommodated; hence omitting lifting/moving/carrying as a physical requirement.