SouthPoint Bank
Responsibilities
Manage and mentor Commercial Credit Analysts
Supervise proposed loan and matured loan assignments
Review Credit Offering Reports prior to submitting to the Chief Credit Officer for final review
Manage external loan review process
Underwrite complex credit requests presented to the Credit Department. Includes analyzing applicant financial information, credit, and collateral evaluation to determine feasibility of granting loans and providing recommendations
Examine, evaluate, and recommend risk rating and loan decision based on analysis
Notify Loan Operations when a loan has been decisioned
Compile executed loan package for submitting to Loan Specialist for booking
Perform annual reviews on complex relationships as needed
Execute Account Monitoring Plans for accounts and/or relationships
Voting member of the Credit Loan Group
Serve as member of the Credit Policy Committee
Manage Directors Loan Committee process to include communicating proposed loans to Committee members, facilitating the meeting, and ensuring that Credit Offering Reports are properly documented as approved
Assure timely completion of underwriting packages
Ensure loan agreements are complete and accurate according to policy
Recommend appropriate changes to the Loan Policy and Loan Administration Manual
Assist Special Assets Officer as needed
Other duties may be assigned.
Competency To perform the job successfully, an individual should demonstrate the following competencies:
Analytical:
Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.
Problem Solving:
Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
Project Management:
Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget.
Quality Management:
Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
Business Acumen:
Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
Strategic Thinking:
Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions.
Adaptability:
Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation.
Quantity:
Meets productivity standards; Completes work in timely manner.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education/Experience Bachelor’s degree or equivalent combination of education and experience required. Ten or more years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.
Computer Skills To perform this job successfully, an individual should have knowledge of Microsoft Office products including Word and Excel.
Physical Demand The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear.
Seniority Level
Executive
Employment Type
Full-time
Industries
Banking
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Manage and mentor Commercial Credit Analysts
Supervise proposed loan and matured loan assignments
Review Credit Offering Reports prior to submitting to the Chief Credit Officer for final review
Manage external loan review process
Underwrite complex credit requests presented to the Credit Department. Includes analyzing applicant financial information, credit, and collateral evaluation to determine feasibility of granting loans and providing recommendations
Examine, evaluate, and recommend risk rating and loan decision based on analysis
Notify Loan Operations when a loan has been decisioned
Compile executed loan package for submitting to Loan Specialist for booking
Perform annual reviews on complex relationships as needed
Execute Account Monitoring Plans for accounts and/or relationships
Voting member of the Credit Loan Group
Serve as member of the Credit Policy Committee
Manage Directors Loan Committee process to include communicating proposed loans to Committee members, facilitating the meeting, and ensuring that Credit Offering Reports are properly documented as approved
Assure timely completion of underwriting packages
Ensure loan agreements are complete and accurate according to policy
Recommend appropriate changes to the Loan Policy and Loan Administration Manual
Assist Special Assets Officer as needed
Other duties may be assigned.
Competency To perform the job successfully, an individual should demonstrate the following competencies:
Analytical:
Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data.
Problem Solving:
Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; Uses reason even when dealing with emotional topics.
Project Management:
Develops project plans; Coordinates projects; Communicates changes and progress; Completes projects on time and budget.
Quality Management:
Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
Business Acumen:
Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
Strategic Thinking:
Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Adapts strategy to changing conditions.
Adaptability:
Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation.
Quantity:
Meets productivity standards; Completes work in timely manner.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education/Experience Bachelor’s degree or equivalent combination of education and experience required. Ten or more years of experience in credit analysis and loan underwriting in a financial institution or equivalent experience in loan review, auditing, or financial analysis required.
Computer Skills To perform this job successfully, an individual should have knowledge of Microsoft Office products including Word and Excel.
Physical Demand The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The employee must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision. While performing the duties of this job, the employee is occasionally required to stand; walk; sit; use hands to finger, handle, or feel and talk or hear.
Seniority Level
Executive
Employment Type
Full-time
Industries
Banking
#J-18808-Ljbffr