Credit Officer

• Oversee the full range of managerial duties for the loan review, compliance, collections and credit analysis functions including adherence to policies and practices of the Bank and all applicable regulatory and governmental agencies.
• Implement a system of credit analysis and quality assurance for loans made as required by the board of credit committee of the Bank, assign ratings as needed in conjunction with loan loss reserve analysis.
• Examine files periodically for assurance of credit and collateral documentation, regulatory compliance and loan policy conformance; review technical exceptions, and deficiencies; maintain reports of continued outstanding exceptions to the management and board of directors.
• Prepare written analysis on all large loans, aggregate lending vs. indebtedness for individual borrowers, complex loans and weak loans.
• Identify problem loans, make recommendation for assignment of loans to review loan list that is reviewed periodically with the board; discuss the status of problem loans with the management, business developing unit (marketing unit) and may make recommendations regarding the future credit information needs; identify loans meeting nonaccrual or charge-off criteria.
• Provide quarterly analyses of the adequacy of the allowance for loan and lease losses for board discussion.
• Prepare periodic board reports.
• Prepare periodic studies of various portions of the loan portfolio including pass due reports, concentration of credit, etc. for the benefit of the board, supervisory and executive officers.
• Evaluate and recommend policy changes based on compliance or loan reviews and dissemination of other pertinent facts.