Senior Credit Concurrence Officer

Our credit administration team is the backbone of our bank's financial stability. They expertly navigate the intricacies of credit risk management, maintaining the highest standards of our loan portfolio with a disciplined approach. By safeguarding asset quality and curbing credit losses, this dynamic team is pivotal in driving the bank's success and achieving our overarching goals.

The Senior Credit Concurrence Officer partners with the Chief Credit Officer in managing the Credit Administration Division, which provides support and quality control for the holding company's loan portfolio. The SCCO therefore, has a range of responsibilities encompassing preliminary review of potential borrowers, the approval process, and the ongoing follow-up of existing loan relationships. This responsibility involves management of loan risk and loss prevention, regulatory compliance, allowance for loan and lease loss reserve, and field audit. The SCCO is a member of the various loan approval committees, Corporate Credit Policy Committee, and participant in the Executive Asset Quality Committee meetings; provides direction to the Special Assets group.

Our team thrives on precision, integrity, and collaboration. We prioritize proactive risk management and teamwork, creating a supportive environment for professional and personal growth. This meticulous and collaborative approach ensures high standards of performance and reliability in every aspect of our work.

• You will direct and manage Credit Administration and Loan Portfolio Management staff, including hiring, training, and evaluating performance.
• You will advise lending officers on complex and high-value loans, recommending terms to improve credit quality.
• You will monitor loan portfolios to ensure quality control, proper diversification, and loss prevention.
• You will inform the Chief Credit Officer of significant issues affecting loan transactions, policies, or portfolio health.
• You will lead meetings with executives to review loan quality, discuss past due accounts, and manage classified assets.
• You will help develop, interpret, and enforce lending policies and procedures for Commercial and Consumer operations.
• You will evaluate the adequacy of reserves for loan and lease losses and oversee other real estate owned.

This level of knowledge is normally acquired through completion of a Bachelors Degree in Finance or Accounting and 15 years of credit administration experience, which includes 8+ years management experience in credit administration, lending, and/or loan review.

• Comprehensive knowledge and understanding of accounting and credit principles, lending functions, and credit loan analysis
• Comprehensive/In depth knowledge and understanding of commercial lending policy, procedures and loan documentation requirements
• Comprehensive knowledge of the Loan Grading Process
• Excellent analytical skills regarding loan/credit review
• Excellent oral and written communications skills
• Advanced PC and spreadsheet software skills
• Advanced management and supervisory skills