• Making loan decisions or recommendations for new loan opportunities, renewals, and / or modifications.
• Managing credit quality (delinquency, charge offs, non-accruals, problem loans) for specified regions of the bank
• Overseeing and maintaining proper loan grading for specified regions of the bank.
• Being a credit resource to loan officers structuring and underwriting loan opportunities.
• Calling on existing and proposed clients with the loan officer to be a credit resource where needed.
• Proactively manages risk / exposure and compliance within the bank's portfolio.
• Assists in participation with bank credit committees as assigned.
• Assist and mentor loan officers and credit analysts in writing complete, articulate, loan credit presentations with risks identified and mitigated.
• Assist in recommending and writing credit policy improvements as needed.
• Manage direct reports to maximize productivity, efficiency, and the potential of the human assets of the company, including: hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies and work rules. Appraise performance and provide recommendations for staff compensation, promotion, and termination, as appropriate.

• At least fifteen years similar or related experience.
  
• A college degree or equivalent combination of education and experience.
  

• Bachelor's degree in finance, economics, accounting, business management, or commensurate years of experience in the field.
  
• 15 years of commercial credit granting and monitoring experience.
  
• Thorough knowledge of financial statements, accounting principles, credit policy, applicable laws and industry data sources.
  
• Strong attention to detail and organizational skills
  
• Strong Technical and Analytical skills
  
• Strong oral and written communication skills
  
• Proficient in MS Word, Excel, and PowerPoint

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to:

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable and timely attendance. Must be capable of climbing / descending stairs in an emergency situation.

Specific lifting abilities required by this job include:

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes.

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.