Centralized Commercial Credit Officer II

Job description

The Centralized Commercial Credit Officer is responsible for loan approvals on business purpose and commercial real estate loans within line of business parameters. Loan authority is commensurate with experience, expertise and business need. From time to time, this position may provide guidance on credits that are classified, criticized, or have been recently downgraded where a clear plan of action is required. This position will interact closely with others in Credit Administration, as well as the revenue producing lines of business. The position’s primary goal is to make credit decisions that are consistent with the corporate credit culture and to provide timely responses on complete loan request packages. Position Accountabilities: - Reviews and determines appropriate risk assessment of business loan requests including the appropriate level of analysis of borrower's business, management, financial condition, and operations. - Evaluates financial statements and prepares independent written credit evaluations on business loans and relationships. Analyses will identify the key strengths and weaknesses of that particular borrower, along with the loan structure, and conclude in the a...