Senior Credit Officer

2 days ago

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

The Senior Credit Officer is a key member of the banking team, responsible for making informed credit decisions that align with the bank's risk tolerance and corporate credit culture. This role requires strong analytical and communication skills, as well as the ability to work closely with market presidents and other stakeholders to drive loan growth and ensure timely client response.

Key Responsibilities
  • Make informed credit decisions for commercial banking credits and advances, taking into account the borrower's business, management, industry, and financial condition.
  • Partner with the Chief Credit Officer, Director of Commercial Credit, and Portfolio Managers to leverage the credit process and ensure efficient and effective loan servicing.
  • Review and determine appropriate risk assessment of commercial loan requests, including analysis of the borrower's business and financial condition.
  • Provide guidance and mentoring to credit support personnel and Relationship Managers on risk management issues, including policy and procedure changes.
  • Discuss credits with Bank Examiners and Loan Reviewers.
  • Serve on the bank's executive loan committee and chair the committee in the absence of the chairman.
  • May serve on commercial, credit, and loan operations user groups to enhance the client service and risk management process.
  • Maintain confidentiality and security of sensitive information.
  • Provide leadership of assigned team, lead efforts in recruitment, interviewing, and training employees, plan, assign, and direct departmental work.
  • Coordinate interdepartmental goals to ensure alignment with company goals and vision.
  • Coach and provide ongoing performance feedback to employees, set realistic and measurable performance goals, and ensure employees have appropriate professional development opportunities.
  • Adhere to all corporate policies and procedures, Federal and State regulations, and laws.
  • Complete all mandatory annual compliance training.
  • Follow regulatory requirements including those pertaining to the Bank Secrecy Act (BSA), Anti-Money Laundering (AML), Customer Identification Program (CIP), and OFAC to assist in the identification, detection, and deterrence of money laundering and other unlawful activities, as well as regulations pertaining to lending and consumer compliance to include fair lending laws.
  • Perform other duties and special projects as assigned.
Requirements
  • Bachelor's degree in business, finance, or related field required.
  • 15+ years of banking experience required, 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, commercial and residential 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. Proficient in Microsoft Office products.
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.

Work Environment, Physical Requirements

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. HomeTrust Bank promotes an equal employment opportunity workplace which includes reasonable accommodation of qualified applicants and employees.

  • This job operates in a professional office environment and routinely uses standard office equipment such as computers, phones, photocopiers, and fax machines.
  • Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
  • Physical activity requiring reaching, sifting, lifting to 25 lbs., finger dexterity, grasping, feeling, repetitive motions, talking, and hearing are required.
  • The employee will frequently communicate and must be able to exchange accurate information with others.
  • The employee may need to move around their office to attend meetings and to access files, machinery, or other job-related tools.

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