Senior Credit Officer

4 days ago

Dripping Springs, TX, United States Texas Regional Bank Full time
Position Summary

The Senior Credit Officer (SCO) is responsible for assisting the Chief Credit Officer in credit operations and risk management of the Bank and shall provide leadership, support, direction and training to develop and manage high performing employees focused on protecting the asset quality of the bank and continual improvement of operational efficiencies. The SCO is responsible for protecting the Bank's assets and mitigating risk through sound credit analysis and loan administration expertise.

Principal Duties and Responsibilities
  1. Serves as the Senior Credit Officer over the Bank's credit operations in the Central Texas Region.
  2. Responsible for proactively screening loan requests and providing direction to credit and lending staff on how to proceed.
  3. Responsible for all loan structure, pricing, collateral and credit adequacy, regulatory compliance, and adherence to loan policy to ensure long-term asset quality.
  4. Ensures that new and existing loans are properly documented and structured, compliant to regulation, and lien positions are appropriately perfected.
  5. Supports the Chief Credit Officer by providing training and monitoring to ensure Relationship Managers operate in accordance to applicable laws and regulations, as well as the bank policies and procedures as approved by the Board of Directors.
  6. Continually provides guidance to the credit and lending staff on the interpretation of current, new and pending laws, regulations and industry changes that affect the organization's credit practices and regulatory exposure.
  7. Trains and works with the lending team to ensure that new and existing loans are properly documented, compliant to regulation, properly structured and lien positions are appropriately perfected.
  8. Keeps the Chief Credit Officer and Region President informed of any material considerations affecting the loan portfolio, loan policy, regulatory compliance and performance of managed departments.
  9. Recommends any updates and changes to the Bank's credit procedures to protect the asset quality of the bank and to create operational efficiencies.
  10. Communicates and interprets lending policies as well as provide guidance and training to credit and loan administration staff in areas of:
    1. Loan Policy
    2. Underwriting
    3. Structuring
    4. Pricing
    5. Loss mitigation
    6. Compliance
    7. Interbank service
  11. Continually evaluates the accuracy of risk ratings established by the Bank's policies; interpret and trains lending officers and credit operations to properly grade credit risk based on defined policy parameters related to the borrower's credit, capacity, collateral, cash-flow historical performance, and experience in the discipline.
  12. Remains current with regulatory, accounting or other changes that affect lending in all aspects.
  13. Develops and maintains knowledge of financial industry, economy, market conditions, rates and competition.
  14. Has a thorough understanding of appraisals and evaluations.
  15. Engages with legal counsel as needed.
  16. Works with the Chief Credit Officer and the Region President to ensure that applicable areas provide prompt and efficient service to external and internal customers.


Other Responsibilities
  • Support and promote the Bank's vision, mission and core values, organizational structure and policies and procedures.
  • Support the Bank's credit culture to ensure a high quality, low risk portfolio
  • Ensure compliance with all bank policies and procedures, as well as all applicable state and federal banking regulations, which includes BSA, CIP, and OFAC requirements as they apply to these departmental functions.
  • Provides a strong, compassionate and visible leadership, which fosters positive attitudes and trust among employees, customers, and prospects.
  • Carries out management responsibilities in accordance with the organization's policies and applicable laws and regulations. Responsibilities may include:
    • Interviewing, hiring, and training employees.
    • Planning, goal setting, assigning, and directing work toward individual accountability based on the company's strategic objectives.
    • Appraising individual and company performance, rewarding and disciplining employees.
    • Addressing complaints and resolving problems.
  • All directors, officers and/or employees are subject to civil and criminal penalties for noncompliance with BSA and other related regulatory requirements that could lead up to prison terms of 20 years per offense and multi-million dollars in fines.
  • Willful blindness is not an option for any director, officer and/or employee of the Bank; and is understood by law where an individual seeks to avoid civil and criminal liability for a wrongful act (Any Illegal or Fraudulent Act) by intentionally putting him or herself in a position where the individual would be unaware of facts which would render otherwise any type of liability.
  • Performs other duties as assigned.
Education and Experience Requirements
  • Bachelor's degree in Business, Finance or a related field.
  • Minimum of combined 10 years of lending and credit experience.
  • Excellent knowledge of all aspects of lending and credit services and must have in-depth knowledge of credit products, credit servicing, collateral, and regulatory lending requirements.
  • Expertise in analyzing, structuring and documenting consumer and commercial loans in a community bank setting as well as thorough knowledge in Commercial and Industrial loans.
  • Strong problem solving and analytical abilities.
  • Ability to work with all levels of management.
  • Good organizational skills and strong judgment.
  • Strong writing, word processing and spreadsheet analysis skills.
  • Demonstrated leadership abilities.
  • Must have excellent analysis, observation and decision-making skills.
  • Highly focused, able to rapidly determine key priorities, clearly communicate the priorities and ensure resources are properly aligned.
  • Excellent interpersonal and communication skills are necessary for maintaining effective relationships with Board members, officers, employees, and members of the business and civic community.
  • Individual should be able to work under high pressure situations and a stressful atmosphere and then should be able to remain composed.
  • Must be physically present in Bank to perform job duties.
  • Texas Regional Bank is an Equal Opportunity Employer.

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