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ServisFirst Bank · 2 hours ago

Credit Officer- Houston Region

Texas, United States

Full-time

Onsite

Senior Level

5+ years exp

ServisFirst Bank is committed to its mission of providing exceptional financial services. The Credit Officer evaluates the creditworthiness of potential clients, supports lending activities, and ensures compliance with bank policies and regulations.

BankingFinanceFinancial Services

Responsibilities

Support lending activities, in some markets prospecting directly for clients and attending shared sales calls

Work with Loan Officers to obtain necessary financial information for analysis such as balance sheets, tax returns and financial statements

Review and approve credit application packages and collateral documents for accuracy, adherence to policy, risk and compliance

Determine the strength and/or weakness of the client’s credit to determine the terms of the loan

Monitor lending portfolio for upcoming or past due maturities and take action to collect and avoid/minimize loss

Approve loans within prescribed limits, referring others for additional review/approval

Generate routine and ad hoc reports; provide documentation as needed for compliance reviews and audits

Maintain and update nCino system

Order appraisals, conduct appraisal reviews and serve as liaison for appraisal vendors

Responsible for being familiar with all compliance regulations and policies that are applicable to this position and follow and ensure compliance with these regulations and policies

Qualification

Financial analysisCredit administrationCollateral instrumentsNCino systemMicrosoft ExcelMulti-taskingRMA trainingMoody trainingWritten communicationVerbal communicationOrganizational skillsAttention to detailIndependent work

Required

Bachelor's degree in Finance, Accounting or a related field

Minimum five (5) years' experience in financial analysis, banking or a related field

Excellent understanding of fundamentals of finance/credit administration, critical ratios and forecasting, and local market, as demonstrated through previous experience

Excellent written and verbal communication skills

Experience using Microsoft Outlook, Word and Excel

Experience in a position requiring attention to detail and data analysis

Excellent organizational skills and ability to multi-task

Ability to work independently with little supervision

Working knowledge of collateral instruments (i.e. letter of credit, UCC filings, and personal/corporate guarantees)

Preferred

RMA and/or Moody training is a plus

Company

ServisFirst Bank

ServisFirst Bank is a full service commercial bank focused on commercial banking, correspondent banking, cash management, private banking and the professional consumer market, emphasizing competitive products, state of the art technology and a focus on quality service.

Founded in 2005

Birmingham, Alabama, USA

501-1000 employees