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Description:

Job Purpose

The Senior Credit Officer will facilitate the lending to customers by assessing their creditworthiness and processing of relevant paperwork. Other responsibilities will include preparing loan applications, evaluating clients’ financial information and calculating risk ratios. Providing loan and appraisal review support while ensuring the overall quality of the Bank’s credit extensions.  Building relationships with clients, analyzing the financial data, writing loan proposals, and managing the bank’s growing loan portfolios.

Summary of Key Responsibilities:

• Conduct and facilitate credit exposure approval and associated decision-making processes, in line with relevant credit policies and procedures, and within the stated risk appetite statements.
• Advise and support the credit decision process for individual credit transactions and relevant credit portfolios, within the boundaries of established risk appetite statements, and in line with applicable credit risk policies.
• Monitor and report on relevant transactions, obligors and portfolios.
• Direct Quarterly Portfolio Review and Watchlist meetings and reports
• Complete Risk Ratings in accordance with the bank’s policy and in a timely manner to help assure the portfolio loan loss provision (LLP) is calculated accurately.
• Complete Regulatory Risk Ratings in accordance with bank’s policy and regulatory expectations in a timely fashion.
• Identify industry trends or news events that affect portfolio risk, using this to adjust as necessary Watchlist, Risk Rating or LLP adjustments.
• Actively provide input and/or develop relevant credit risk policies.
• Work with Front Office teams and Credit Administration staff to manage the credit risk of a designated portfolio.
• Manage the credit analyst department.  Recruit and trains new credit analysts.  Assign and review their work (preparing timely and accurate loan packages, postings, and other reports).
• Own and manage the intern program with support from Human Resources.   
• Create or enhance a basic accounting knowledge test/quiz to be taken by all prospective lending new hires.
• Serve as the daily morning loan review to examine new loans that have been originated. 
• Manage workflow by supporting lenders in monitoring coming due loans 90 days prior to maturity.
• Work with senior management on the determination of overall loan portfolio composition and the management of concentrations.
• Maintain updated procedures for internal loan review procedures that interface with external loan review. Monitor bank regulatory changes that relate to the credit function. 

Required, Skills & Abilities

• Excellent written and verbal communication skills
• Excellent persuasion and engagement skills
• Good analytical and interpretive skills
• Strong leadership skills 
• Excellent Analytical skills
• Excellent Interpersonal skills
• Ability to analyze complex financial statements 

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Primary Areas of Accountability: