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Bank of Clarke · 1 day ago

Senior Credit Officer

Winchester,VA,US

Full-time

Onsite

Mid, Senior Level

4+ years exp

Bank of Clarke is seeking a Senior Credit Officer responsible for providing support, direction, and credit information to ensure the overall quality of the Bank’s lending portfolio. The role includes supervising department staff, reviewing and approving large and complex loans, and ensuring compliance with banking regulations.

BankingFinanceFinancial ServicesLendingProfessional ServicesWealth Management

Responsibilities

Provides supervision and support to assigned areas of credit where service or assistance is needed

Reviews and approves/declines large and complex loans; reviews consist of making recommendations on loan structure, terms, and pricing so as not to expose the Bank to undue credit risk

Attempts to ensure that individual loans are risk rated correctly

Consistently applies good decision-making techniques pertaining to inquiries, approvals, requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development

Develops and maintains knowledge of financial industry, economy, market conditions, rates, vendors and competition

Assist in meeting annual deposit and loan growth goals assigned by senior management and the Board of Directors; participates in various internal committees assigned by Senior Management and the Board of Directors

Monitors staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results

Plays a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring highly cross-trained staff

Performs personnel actions including performance appraisals, disciplinary actions, and interviewing candidates for employment; supervises the daily activities of the department including, but not limited to, effective delegation of assignments, developing work schedules and providing necessary training

Processes, solves and answers complex customer transactions, problems or inquiries

Effectively utilizes technological systems to properly manage the credit administration functions and resolve problems within given authority

Assumes responsibility for various department functions in the absence of staff members or in overload situations

Understanding of all aspects and workings of Credit to back-up the Chief Credit Officer when needed

Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions

Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action

Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities

Qualification

Financial analysisLending activitiesLoan processingRegulatory complianceLeadership skillsOrganizational skillsTime managementMathematical skillsCommunication skillsProblem-solving skills

Required

Bachelor's degree (BA) or equivalent from a 4-Year college or university; 4 years related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of a financial analyzing or lending background. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, should be business or financial industry related

Mastered experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas

Mastered experience, knowledge and training in all lending activities and terminology

Mastered knowledge of commercial, construction, real estate and consumer loan processing

Mastered knowledge of related state and federal lending and compliance regulations, and other Bank lending policies

Ability to develop marketing and business development skills with customers

Excellent organizational and time management skills with the ability to provide leadership, supervision and training for 3 or more employees using positive supervisory techniques to ensure maximum productivity; demonstrated ability in organization and delegation skills

Proficient with industry-standard software and systems necessary to perform the duties of the position

Advanced math skills; ability to calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs

Exceptional verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, train personnel, read, analyze and interpret documents and professional journals, understand procedures, write reports, correspondence and procedures, speak clearly to customers and employees

Thorough understanding of management procedures; ability to plan department or Bank activities (setting objectives, developing strategies, budgeting, and developing policies and procedures); initiative to organize various functions necessary to accomplish department or Bank activities; effectively staff (selecting, training and developing employees); directing employees towards the desired objectives (delegating, motivating, resolving problems); controlling the function (developing performance standards, measuring results, taking corrective action and rewarding employees as appropriate)

Ability to deal with complex problems involving multiple facets and variables in non-standardized situations

Ability to work with no supervision while performing duties