Texas Regional Bank · 5 months ago
Senior Credit Officer - Dripping Springs, TX
Dripping Springs, TX
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expTexas Regional Bank is seeking a Senior Credit Officer to assist the Chief Credit Officer in credit operations and risk management. The role involves providing leadership and training to staff while ensuring sound credit analysis and loan administration to protect the bank's assets and improve operational efficiencies.
FinanceFinancial ServicesWealth Management
Responsibilities
Serves as the Senior Credit Officer over the Bank’s credit operations in the Central Texas Region
Responsible for proactively screening loan requests and providing direction to credit and lending staff on how to proceed
Responsible for all loan structure, pricing, collateral and credit adequacy, regulatory compliance, and adherence to loan policy to ensure long-term asset quality
Ensures that new and existing loans are properly documented and structured, compliant to regulation, and lien positions are appropriately perfected
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
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
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
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
Recommends any updates and changes to the Bank’s credit procedures to protect the asset quality of the bank and to create operational efficiencies
Communicates and interprets lending policies as well as provide guidance and training to credit and loan administration staff in areas of: Loan Policy, Underwriting, Structuring, Pricing, Loss mitigation, Compliance, Interbank service
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
Remains current with regulatory, accounting or other changes that affect lending in all aspects
Develops and maintains knowledge of financial industry, economy, market conditions, rates and competition
Has a thorough understanding of appraisals and evaluations
Engages with legal counsel as needed
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
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
Qualification
Required
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
Company
Texas Regional Bank
Texas Regional Bank primarily provides personal and business banking solutions.
201-500 employees
Funding
Current Stage
Growth StageTotal Funding
$64.64M2023-10-11Series Unknown· $1.21M
2021-08-13Series Unknown· $0.5M
2021-07-12Debt Financing· $25M
Leadership Team
Michael Scaief
Chairman and CEO
Brad Freudenberg
Chief Technology Officer
Recent News
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