Credit Officer, CRE

Location:

4599 Cemetery Road

Hilliard, OH 43026

Additional Locations Include:

491 North Cleveland-Massillon Road

Akron, OH 44333

100 Corporate Center Drive
Suite 200

Camp Hill, Pa 17011

358 N Shore Drive

Pittsburgh, Pa 15212

800 Philadelphia Street

Indiana, Pa 15701

205 Granite Run Drive

Lancaster, Pa 17601

Hours:

Monday - Friday 8AM-5PM

(Additional hours as necessary to meet the objectives of the department)

Function:   Manages the credit process consistent with Corporate and Credit Policy and serves as a central point in deciding credit exposure for new and existing relationships within an assigned credit profile and vertical (CRE or C&I).   

Duties and Responsibilities:

• Reviews, underwrites and makes decisions on loan requests within stated lending authority; involve next higher level authority level when deal size or complexity warrants.

  • New Credit Authority: Up to $5.0MM or in accordance with the Delegated Credit Authority Grid

• Maintains credit quality standards for the assigned adhering to Corporate Policies and the bank’s credit culture.

• Responds promptly to credit requests to determine feasibility and nature of analysis to be conducted.

• Assumes responsibility for coaching, mentoring, training and guidelines to underwriters and assigned deal teams. 

• Supports assigned deal teams in the structuring and delivering of credit products to meet client needs.

• Works with commercial bankers and underwriters to manage the analysis and documentation to produce a focused, concise underwriting package.  Follow deal from initial request through final documentation.

• Ensures compliance with credit policy and appropriate reporting.

• Ensures strong credit culture as well as an effective and efficient approval process.

• Balances a strong asset quality focus while supporting a strong business development plan.

• Acts as a highly visible customer contact working as a member of the vertical management team in relationship banking model.

• Understands, underwrites and manages the portfolio in accordance with the regional and corporate risk profile. 

• Identifies critical issues and proposes alternative structures and financing solutions.

• Meets with client or prospect to clear any conditions of approval or unresolved issues.  Call activity would promote new business due diligence, selling the client and addressing deteriorating situations.

• Demonstrates credit judgment, size and scope of assigned credit portfolio to determine level of credit risk exposure that will be assigned on any given relationship.

• Discusses changes with the commercial banker to resolve any conflicts between the client’s needs and the bank’s structure as needed.

• In collaboration with the Senior Credit Officer, establishes and executes monthly and quarterly reporting of vertical portfolio metrics concentrating on credit risk management.

• In collaboration with the Senior Credit Officer, helps model, project and track actual versus potential charge-offs, NPL’s, criticized and classified assets and overall credit quality of the assigned vertical for performance measurement.

• Provides technical advice and assistance to relationship managers in the evaluations and structuring or restructuring of commercial credits within the portfolio.

• Ensures satisfaction of compliance and regulatory related issues.

• Participates and reviews all criticized and classified assets as assigned and participates in the quarterly Criticized Asset meeting.

• Participates in Senior Loan Committee.

• Prepares presentations and participates in management or committee meetings as needed.

• Solicits, with vertical management, new business opportunities and participates in community or other services/activities.

• Maintains a good working relationship with all bank employees.  Demonstrates the ability to work independently.  Works as a team player to contribute to the success of the department and in turn the organization.