Credit Risk Officer Leader

4 days ago


Austin, Texas, United States Southside Bank Full time

**Job Title:** Credit Risk Officer Leader

Estimated Salary: $100,000 - $160,000 per year

We are seeking an experienced Credit Risk Officer Leader to lead a team of credit officers at Southside Bank. As a Credit Risk Officer Leader, you will be responsible for managing a portfolio of commercial loan customers and providing credit support to your assigned portfolio.

You will have a deep understanding of commercial, economic, and financial circumstances and their impact on customers and prospective customers. You will work to identify and report early warning signs of deteriorating credit quality, deteriorating collateral values, and covenant violations.

Main Responsibilities:

  • You will be responsible for the direct management of assigned accounts with respect to credit underwriting, documentation review, and credit monitoring.
  • You will ensure the efficient and accurate completion of underwriting packages and risk ratings for new requests, renewals, modifications, and annual reviews.
  • You will coordinate the collection, review, and analysis of financial information, compliance certificates, borrowing base information, and other documentation.
  • You will work with the RM, borrower, and bank counsel to negotiate and review loan documents prior to closing.
  • You will complete a post-closing quality control review to verify that loans were closed and documented in accordance with the approval memo.

Requirements:

  • A four-year degree from an accredited college or university in business administration or other related area of study.
  • A minimum of 3-5 years of commercial credit experience with middle market commercial real estate and/or C&I relationships.
  • Superior loan evaluation ability and the ability to conduct complicated credit analysis.
  • Excellent written and oral communication skills.
  • Understanding of risk management as applicable to lending.


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