Address
Form of workResponsible for the day-to-day activities of a team of Credit Administration personnel to include the quality and efficiency of commercial and/or ag loan analyses. Complete analysis for large and/or complex commercial or ag credit relationships, manage Credit related processes and projects, and provide guidance/training for new credit analysts and lenders.
Responsibilities include, but are not limited to:
- Manage a team of Credit Department personnel while offering daily support and direction to Credit Analysts and other lending staff.
- Perform credit analyses and financial statement reviews on complex loans, industries, and commercial and ag loan relationships.
- Manage and prioritize credit workflows and scheduling. Monitor workflows of subordinates. Work with loan officers to obtain material missing information before assigning to a credit analyst for underwriting.
- Participate in loan committee meetings. Provides recommendations for updates and changes to loan policy. Engages commercial lenders and commercial staff for process change recommendations.
- Responsible for overseeing the production of a complete Credit Analysis document that recognizes relevant risks and mitigating factors associated with each credit request.
- Make and oversee approval or denial decisions or recommendations on credit requests as required under predetermined lending limits.
- Review and make recommendations for applicable changes to risk ratings that are based on established written parameters.
- Investigate all available sources of credit and financial information, including credit bureaus, Experian Business Credit, the Risk Management Association, industry trends and other companies.
- Participate in management discussions of credit-related borrowing issues concerning individual borrowers and/or policies.
- Serve as a senior level Credit Administration resource to internal customers and fulfill miscellaneous requests for reports or other information from internal customers.
- Support other segments of Credit Analysis as assigned, such as miscellaneous loan or credit related reporting, tracking, and monitoring.
- Coordinate updates to credit related processes, writes procedures and develops or updated analysis templates as needed.
- Maintain an in-depth knowledge of accounting or regulatory changes and the effect on Bank credits.
- Serve as an administrator for software systems under the Credit Department’s responsibility, as assigned.
- Lead and/or participate in potentially large and complex projects to streamline productivity, create efficiencies, and scale the Bank for growth.
- Meets with staff regularly (both 1:1 and in group meetings) to organize sales efforts, communicate procedural/product changes, and resolve issues to optimize performance and employee engagement. Establish regular coaching opportunities with each team member to review goals and highlight further personal development.
- Selects, trains, supervises, and evaluates the staff to enhance individual productivity and enable them to function according to their respective job description.
- Other credit-related projects and training as assigned.
Qualifications
Education/Experience:
- Bachelor’s degree in Accounting, Finance, or Business Administration and/or commensurate banking experience.
- 5+ years’ experience in banking; commercial Credit Analysis experience preferred.
- Management experience desired.
- Thorough knowledge of the Bank’s software systems including Premier, Business Analytics, and Sageworks. Demonstrate the ability to create and edit reports in Business Analytics.
- Formal advanced training in Microsoft Excel preferred.
Skills:
- Demonstrated strong analytical skills including analyzing complex data and high attention to detail.
- Extensive knowledge of credit underwriting, regulatory requirements, and documentation standards for all types of loans, including the ability to suggest loan structure alternatives that minimize policy exceptions.
- Forms independent opinions on credit and recognizes emerging risks.
- Strong critical thinking, problem-solving, presentation, interpersonal, and negotiation skills.
- Proven organizational skills and ability to substantiate analyses with detailed workpapers.
- High level of confidence and integrity in order to maintain independent judgment and privacy of customer and Bank information.
- Demonstrates ability to self-manage with minimal supervision and work effectively without detailed instruction.
- Comfortable in a team environment working under pressure with deadlines.
First Mid Bancshares, Inc. is an Equal Opportunity/Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, disability, gender identity, sexual orientation, protected veteran status, or any other applicable federal or state-protected classification.
THIS JOB DESCRIPTION DOES NOT CONSTITUTE A CONTRACT FOR EMPLOYMENT
HP123
