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Regional Credit Officer

2 months ago

St Louis, Missouri, United States Midland States Bank Full time
Job Summary

We are seeking a highly experienced and skilled Regional Credit Officer to join our team at Midland States Bank. As a key member of our credit management team, you will be responsible for providing senior-level management, administrative, and credit underwriting and approval services within the region.

Key Responsibilities
  • Loan Review and Approval: Review and approve loan requests within designated credit authority, ensuring compliance with bank policies and risk guidelines.
  • Credit Quality Monitoring: Monitor credit quality across the region, including past dues, ticklers, loan grading, criticized/classified loans, and charge-offs.
  • Leadership and Culture: Lead and maintain the overall credit quality and culture for the assigned region, ensuring alignment with the institution's risk appetite while supporting growth and profitability.
  • Partnerships and Collaboration: Partner with the Regional Market President and Relationship Managers to identify suitable credit opportunities, recommend appropriate loan structures, and ensure terms are in line with bank policy.
  • Expert Support: Accompany Relationship Managers on visits to key customers or prospects, particularly large or complex borrowers, to provide expert insight and support.
  • Strategic Development: Collaborate with senior management to develop and implement regional credit strategies that align with the bank's long-term goals.
  • Policy and Procedure: Review loan requests exceeding credit authority and provide recommendations to the Chief Credit Officer or the Director's Credit Risk Committee for further approval.
  • Credit Analysis and Documentation: Counsel Credit Analysts to ensure accurate borrower analysis and effective preparation of credit approval documentation.
  • Industry Trends and Regulatory Compliance: Stay ahead of banking industry trends, regulatory changes, and evolving business practices to guide strategic decisions.
  • Committee Participation: Serve on committees of the bank as requested by the Chief Credit Officer.
  • Professional Representation: Represent the bank in a professional, ethical, and moral manner to promote the institution in the communities it serves.
  • Travel and Collaboration: Occasional travel for training and team meetings, and willingness to travel periodically, to locations within market as needed.
  • Compliance and Regulatory Awareness: Maintain awareness of any legal or regulatory updates that could impact credit operations.
Requirements
  • Education: Bachelor's Degree in a Finance, Accounting, Economics, or related field.
  • Experience: Minimum of 10 years of banking and lending experience, with a minimum of 5 years in a credit approval, relationship management, special assets, managerial, or administrative role.
  • Skills and Competencies: Proven ability to make complex credit decisions within established risk frameworks, in-depth knowledge of regulatory requirements and best practices within the financial services industry, strong oral, written, and interpersonal communication skills, strong organization and time management skills, strong attention to detail, ability to work independently and as part of a team.
Competencies and Skills
  • Business Insight: Ability to analyze complex business data and make informed decisions.
  • Cultivates Innovation: Encourages creativity and innovation in the workplace.
  • Drives Results: Focuses on achieving results and meeting goals.
  • Makes Sound Decisions: Makes informed decisions based on data and analysis.
  • Being a Brand Champion: Promotes the bank's brand and values.
  • Collaborates: Works effectively with others to achieve common goals.
  • Communicates Effectively: Communicates clearly and effectively with others.
  • Customer Focus: Focuses on providing excellent customer service.
  • Being Authentic: Authentic and genuine in interactions with others.
  • Emotional Intelligence: Self-aware and able to manage emotions effectively.
  • Self-Development: Committed to ongoing learning and development.
  • Being Flexible and Adaptable: Adaptable and flexible in a fast-paced environment.