Commercial Credit Officer III

Role Overview

• The Centralized Commercial Credit Officer is responsible for loan approvals on business purpose and commercial real estate loans within line of business parameters.
• 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 the most complex 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 approval or decline of the loan.
• Applies experience and judgment to evaluate the level of risk within a request and structure the loan terms to meet the borrower’s needs while adhering to AUB’s risk and credit policies.
• Signature loan approvals on business relationships to be determined based on experience, expertise and business need; works closely with the Centralized Credit Management for those approvals that exceed individual loan authority
• Collaborates with sales and credit partners to meet deadlines on business loan requests.
• Accountable for and manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and following through for remediation.
• Other portfolio duties include but are not limited to: timely and accurate risk rating of clients based on internal and external data; consideration and approval short term extensions and ensuring correct documentation at time of review.
• Works strategically with relationship managers on risk management issues and/or loan structure as requested or otherwise deemed necessary or appropriate.
• Works with Wholesale and Business Banking relationship managers and line management to ensure that business banking loan portfolio quality goals are met.
• May mentor less experienced Centralized Credit Officers on the evaluation of credit risk factors, loan decisions, and other credit topics.
• May assist with credit training and development of others.
• Reviews loan packages and provides approval concurrence for other Credit Officers as needed.
• Maintains current operating knowledge of all job-relevant legal and regulatory requirements through the successful completion of compliance and regulatory training and attendance at all mandatory regulatory compliance and credit training activities.

Requirements

• Bachelor's degree in business, finance or related field
• Seven or more years’ experience in business banking/commercial banking and/or a credit administration position that included underwriting and assessment of credit requests.
• Prior loan approval authority highly preferred.
• Results oriented and decisive
• Confident in knowledge and experience; able to clearly articulate loan approvals and declines
• Accuracy, and attention to detail a must.
• Ability to handle confidential information with the utmost discretion.
• Ability to work independently as well as within a team environment.
• Strong interpersonal, communication and listening skills.
• Strong consultative skills including the ability to ask critical questions to identify opportunities
• PC proficiency and experience with word processing and spreadsheet software, including the use of system and user generated formulas, macros, charts, and tables.
• Strong knowledge of loan documentation, i.e. documents needed to perfect a lien on various collateral types; documents signed by the client; identifying related risks and working with Legal as deemed appropriate.

Benefits

• General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits