Senior Credit Officer

6 days ago

Raleigh, North Carolina, United States HomeTrust Bank Full time
Job Summary

The Senior Credit Officer plays a pivotal role in driving the bank's loan growth objectives while maintaining a strong risk management culture. This position requires a high level of expertise in commercial credit underwriting, with a focus on making informed decisions that balance business needs with risk tolerance.

Key Responsibilities
  • Make strategic credit decisions for commercial banking credits, leveraging expertise in credit analysis and risk assessment.
  • Collaborate with the Chief Credit Officer and Director of Commercial Credit to develop and implement effective credit processes, ensuring timely client responses and thorough due diligence.
  • Partner with Relationship Managers to develop strong partnerships within assigned markets, working closely with Market Presidents to discuss loan pipeline reports and ensure proper loan servicing.
  • Conduct thorough risk assessments of commercial loan requests, analyzing borrower business, management, industry, and financial condition to ensure credit is appropriately underwritten and structured.
  • Provide guidance and mentoring to credit support personnel and Relationship Managers on risk management issues, including policy and procedure changes, concentration limit levels, and market conditions.
  • Participate in executive loan committee meetings and chair the committee in the absence of the chairman.
  • Maintain confidentiality and security of sensitive information.
  • Lead assigned teams, overseeing recruitment, interviewing, and training employees, as well as planning, assigning, and directing departmental work.
  • Coordinate interdepartmental goals to ensure alignment with company objectives and vision.
  • Coach and provide ongoing performance feedback to employees, setting realistic and measurable performance goals and ensuring employees have appropriate professional development opportunities.
  • Adhere to all corporate policies and procedures, federal and state regulations, and laws.
  • Complete mandatory annual compliance training.
  • Follow regulatory requirements, including those related to the Bank Secrecy Act, Anti-Money Laundering, Customer Identification Program, and OFAC, to assist in the identification, detection, and deterrence of money laundering and other unlawful activities.
  • Perform other duties and special projects as assigned.
Requirements
  • Bachelor's degree in business, finance, or a related field required.
  • 15+ years of banking experience, including 10+ years in commercial credit underwriting with signature loan approval experience.
  • Strong interpersonal, communication, and listening skills.
  • Strong credit skills across all areas of commercial lending, including commercial real estate, construction loans, letter of credit issuances, C&I lending, religious organization and non-profit financing, and other fund accounting-related credit requests.
  • Experience with SWAP derivative financing and loans involving government tax credits.
  • Familiarity with government lending programs, such as 504 programs and SBA loans.
  • Experience with commercial real estate appraisal reviews and assessments of value, including environmental issues that could impact real estate values.
  • Demonstrated leadership skills in determining and recommending appropriate solutions on credit issues, including problem credits.
  • Familiarity with federal bank regulations and laws governing commercial lending and real estate appraisals.
  • Strong organizational skills and ability to prioritize tasks.
  • Ability to work independently.
  • PC proficiency and general comfort level with leveraging technology within the underwriting and approval process.
About HomeTrust Bank

HomeTrust Bank, founded in 1926, is a North Carolina chartered, community-focused financial institution committed to providing value-added community banking through online/mobile channels and multiple locations in Virginia, North Carolina, South Carolina, Tennessee, and Georgia. Learn more at www.htb.com.

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