Chief Credit Officer- Florida/ West TX (23-52)

Chief Credit Officer

Location: Florida or West Texas

Summary: Oversees the commercial credit department for the Texas marketplace which includes the flow of underwriting assignment, review of credit packages, mentoring junior members of the credit team and underwriting more complex credit requests. Prepares written in-depth credit analysis and underwriting for complex Commercial Real Estate and Commercial & Industrial loans. Under the direction of the Chief Credit Officer, the position would be responsible for the decisioning of credit requests and approving construction draw requests, within defined loan authority

Job Functions:

• Assigns credit underwriting and spread requests to department personal. Follows up with staff to ensure timely completion of underwriting assignments.
• Reviews draft credit package for accuracy and completeness of analysis findings.
• Makes recommendations on approval or declination of loan requests within defined loan authority.
• Spreads financial statements and prepares comprehensive financial analysis on the creditworthiness of the borrower and guarantors.
• Creates Pro-Forma analysis to assess the borrower/guarantor's ability to repay current and proposed debt obligations.
• Prepares written analysis on large and complex lending relationships including preparation of the credit authorization package for SLC/DLC discussion.
• Fosters a strong working relationship with the Lenders and Portfolio Managers
• Provides recommendations on loan structure, loan monitoring and other lending related matters
• Review appraisals and environmental reports.
• Provides guidance and acts as a resource to less experienced analysts
• Prepares periodic reports and studies on the loan portfolio for the benefit of Senior Management and Directorate, as needed.
• Serves as a back-up for the Chief Credit Officer - FL
• Perform other tasks and assist in projects as needed.

Position Requirements:

• Bachelor's degree in accounting or finance is required. Advanced degree is preferable.
• Formal Bank Commercial Credit training
• Minimum of 7 years of Commercial/CRE lending/credit experience with 5+ years dedicated to commercial credit underwriting with increasing levels of responsibility.
• Knowledgeable of MS Office Suite programs, credit analysis software and core operating systems
• Knowledgeable in financial institution operating policies and procedures and banking regulations state and federal.

Key Qualifications:

• Demonstrated skill in analysis and interpretation of business and individual financial statements, tax returns, and cash flows.
• Thorough understanding of commercial real estate project analysis, real estate appraisal reviews and environmental evaluation reviews.
• Ability to define problems, aggregate facts, draw valid conclusions and provide recommendations for resolution.
• Working knowledge of all applicable Bank products and services.
• Excellent problem-solving skills
• Detail oriented, good organizational, interpersonal, communications and writing skills.