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Senior Credit Officer Team Lead

4 months ago

Ontario, United States Citizens Business Bank Full time

Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus.

SUMMARY

The Senior Credit Officer Team Lead plays a critical role in the management and coordination of overall credit workflow within the assigned region. The Team Lead is primarily responsible for supervising and training a team of Credit Officers that support the underwriting activities within the region. He/she will work closely with Regional Credit Administrators and the Regional Vice President to establish regional priorities, manage workflow and overall credit quality, and evaluate the financial needs of prospective and existing commercial middle market customers.

The Team Lead must effectively manage deal flow and underwriting resources to produce consistent and timely responses within defined turn-around times pursuant to the Bank’s Service Level Agreement, and always conduct their activities within the spirit of the Bank’s Sales-Credit Partnership. The role requires leadership, professionalism, and excellent collaborative, management and communication skills.

In addition, the Team Lead is a player-coach and, as needed, prepares credit memos and obtains Bank approval to provide the recommended loan products and services. Performs due diligence and ensures appropriate loan monitoring and compliance is conducted with established borrowing relationships within the region. The Team Lead may also be required to meet with prospective or existing clients and is expected to provide exemplary service to ensure customer satisfaction.

ESSENTIAL DUTIES AND RESPONSIBILITIES include, but are not limited to, the following:

  • Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
  • Analyzes financial statements and pertinent information for credit worthiness of more complex businesses. Spreads financial statements on computerized spread sheets and analyzes the results. Evaluates historical and forecasted cash flow for proposed debt serviceability. Determines appropriate level of analysis and deals structure. Evaluates collateral for appropriate advance rates, value stability and ease of liquidity. Identifies risk issues and how to mitigate them. Makes recommendations regarding specific products and services to be offered, if any, and credit approval or disapproval. Identifies exit strategy.
  • Ensures that credit requests adhere to Bank policy, and that any exceptions to Credit Policy are clearly identified and mitigated.
  • Assists Relationship Managers to obtain Bank approval of products and services to be provided to prospective customers. Obtains input from the Relationship Manager and independently prepares Credit Memos as required per Bank policy for new extensions and renewals. Prepares memos that convey a thorough understanding of the credit worthiness of the applicant and the primary and secondary source of repayment. Structures credit terms and conditions in a manner that adheres to sound lending practices and minimizes the risk to the Bank while meeting each customer's credit requirements. Proactively manages annual credit line expirations and renewals.
  • Other duties as may be assigned from time-to-time by the Deputy CCO.
ADMINISTRATIVE:

Analyzes financial information, checks for debt servicing capabilities and reports adverse trends. Prepares problem loan reports as required.

Maintains or causes regional associates to maintain borrower credit files in accordance with Bank policies. Periodically, verifies regional covenant compliance, maintains and reviews assigned reports and tracking systems, and prepares necessary documents and regional correspondence.

Coordinates with Relationship Managers, Managers and Credit Administrators on loan closings and on-going credit management. Assists others within the region to proactively manage renewals. Sets up Tickler and maintains current updates. Actively tracks financial compliance. Initiates process improvements. Reports issues and loan violations to Credit Administrator in a timely manner. Prepares production and pipeline status report.

INTERNAL AUDIT:

Complies with all bank loan policies, procedures and administrative memos and shares the responsibility with the Relationship Manager to ensure a successful internal credit audit.

COMPLIANCE:
  • Supports Bank compliance efforts by completing compliance and other technical training workshops as assigned, and on a timely basis, and ensuring that staff members attend/complete compliance training in a timely manner. Reads periodicals and attends external webinars/workshops to maintain an above average expertise of the trends in banking products, various delivery channels, regulatory, operational and compliance.
  • Adheres to Bank policies and procedures and complies with all State and Federal Banking Regulatory requirements, including but not limited to FEAR Act, Red Flags, Customer Right to Privacy, Reg D, Reg DD, Truth in Savings, BSA, Anti-Money Laundering, OFAC, CIP, Financial Elder Abuse, Sarbanes-Oxley Act, USA Patriot Act, Sexual Harassment, Information Security and Privacy, as well as employment law and wage and hour regulations as they pertain to this position.
  • Ensures that the identification of Suspicious Activity or ID theft-related issues are appropriately reported and/or the completion of all other required BSN Compliance forms are prepared timely and accurately.


CUSTOMER RETENTION:

Establishes and maintains an excellent rapport with all assigned Bank customers, including those with complex financial requirements. Makes joint retention calls with the Relationship Manager and other members of senior management.

SUPERVISORY RESPONSIBILITIES

Supervises a team of Credit Officers. Carries out supervisory responsibilities in accordance with the organization's polices and applicable laws. Responsibilities include: interviewing, hiring, and training employees; planning, assigning, and directing workflow; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

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 and/or EXPERIENCE

Bachelor’s degree (B.A.), preferably in accounting or finance from a four-year college or university; with more than ten years of related experience and/or training; or equivalent combination of education and experience.

LANGUAGE SKILLS

Ability to read, analyze, and interpret financial statements, accounting papers, income tax returns, bank policies, general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write comprehensive and logical reports, business correspondence, and procedure manuals utilizing computerized word processing and spreadsheet programs. Ability to effectively communicate orally and in writing, present information and respond to questions from groups of managers, clients, customers and the general public.

MATHEMATICAL SKILLS

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, net present values, and volume. Ability to apply concepts of basic algebra, geometry and statistics. Ability to spread financial statements, analyze credit requests, analyze income tax returns, personal financial statements, balance sheets, income statements and statements of cash flow. Ability to model the financial effects of various debt restructuring scenarios and to produce financial projections.

REASONING ABILITY

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations. Ability to solve practical problems and manage a variety of concrete variables in situations where only limited standardization exists. Ability to interpret and execute a variety of instructions furnished in written, oral, diagram, or schedule form.

TECHNICAL SKILLS:

Ability to use personal computer and utilize standard business and spreadsheet software, including MS Word, Excel & Moody’s. Use of ITI Navigator, Director, RPM and Advisor preferred.

OTHER SKILLS & ABILITIES:

Possess good organizational skills and flexibility to allow for coordination and prioritization of workload. Ability to perform other duties as requested.

PHYSICAL DEMANDS

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to sit and talk or hear. The associate frequently is required to use hands to finger, handle, or feel. The associate is occasionally required to walk and reach with hands and arms. The associate must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Salary Range:$127,475.00 To 184,838.00 Annually

40 hours per week.