United Community · 1 day ago
Senior Credit Officer - Commercial
Greenville, SC
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expUnited Community is looking for a Senior Credit Officer - Commercial to work with Community Bank Executives and Corporate Banking leadership to achieve high credit quality via the loan approval process. The role involves promoting the credit culture, approving larger credits, and ensuring compliance with risk management policies.
Banking
Responsibilities
Work with Community Bank Executives, Commercial Banking Solutions (Specialty Lending Groups) and Regional Credit Managers to promote the credit culture of United Community Bank
Protect the assets of the bank through the proper execution and administration of risk management policies and procedures. Assumes accountability for quality approval decisions and the overall quality of the assigned loan portfolio
Approve larger credits in a timely and efficient manner helping to ensure customers’ expectations are met
Serve as “gatekeeper” for approval of larger credits and assists in enforcing the bank’s house limit
Recommends approval of changes in underwriting procedures and policies
Partner with State Presidents and Team Leads within Commercial Banking Solutions to execute on our credit culture, grow the portfolio and maintain strong portfolio credit metrics
Acts in an advisory and referral role to lenders and analysts in matters of compliance, regulation and policy
Supervise activities of the Regional Credit Managers
Assist in monitoring credit quality including responsibilities for portfolio risk ratings, and oversight of criticized asset and portfolio review meetings
Direct and assist in the preparation of each bank for regulatory examinations. Works directly with bank regulators during the examination process
Coordinate credit portion of due diligence efforts with regard to new bank acquisitions
Assist in training new lenders and the on-going training on policies, procedures and culture
Perform annual performance reviews along with an effective management plan consisting of goals for staff
Perform other duties as assigned
Qualification
Required
College degree or equivalent
Minimum 10 years' experience in a regulatory or commercial lending background with at least 5 years of credit approval experience with C&I, Middle Market and Commercial Real Estate
Strong leadership skills with extensive supervisory and managerial experience and the ability to build strong teams
Excellent interpersonal and communication skills; and the ability to solve problems
Participate and complete all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc
Must be able to pass a background & credit check
This is a full-time, non-remote position that requires schedule flexibility to work evenings and weekends as needed
Up to 20% travel required
Company
United Community
Since 1950, United Community has been driven to provide best-in-class service as we work to improve the financial well-being of the people and communities we serve.
1001-5000 employees
Funding
Current Stage
Late StageLeadership Team
DeVan Ard
CEO
J Scott Preston
Division CEO United Community Bank
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