Regional Credit Officer

Description

SUMMARY : Lead and manage a team of Credit Analysts, Portfolio Managers and other support staff in all aspects of underwriting and credit risk management for a geographic region supporting Commercial Lending, and as necessary provide underwriting support for Private Client Services and Consumer Lending. Assist team in performing financial analysis and risk rating assessments on commercial & industrial loans and commercial real estate loans. Communicate and implement credit policy and practices within new loan production and review existing credits while providing guidance for policies, procedures, guidelines and risk assessment. In addition, partner with sales and documentation to improve the accuracy and efficiency of commercial loan processes and to further build customer relationships and enhance shareholder value.

ESSENTIAL DUTIES AND RESPONSIBILITIES :

Credit Administration :

• Assist Chief Credit Officer in managing the risk associated with the distribution of bank loans
• In conjunction with the Chief Credit Officer, communicate and coordinate the implementation of credit administration Policies, Processes and Procedures that are consistent with the overall credit culture of the bank, sound lending principals, strategic initiatives and regulatory guidelines
• Monitor adherence to Credit Policy and manage the instances of exceptions
• Actively lead or participate in Project Development for technology enhancements and process improvements to increase Credit Underwriting and Portfolio Management efficiencies
• Responsible for assisting with preparation, review / revisions, and writing of Bank lending related policies
• Review loans for approval by assigned loan authority
• Chair / Co-Chair Regional Loan Committee
• Manage Credit Analyst team as required
• Utilize various monthly, quarterly, and annual reports regarding portfolio status, deal flow and workload to the Chief Credit Officer

New Loan Underwriting :

Portfolio Monitoring :

Special Assets Support :

Other Essential Duties and Responsibilities :

EDUCATION AND / OR EXPERIENCE :

E-Verify is used to confirm the identity and employment eligibility of all newly hired employees.

Farmers National Banc Corp. is an Equal Opportunity Employer : disability / veteran

Qualifications

Education

Bachelors of Finance (required)

Skills

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

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