Chief Credit Officer
Company: Texas Bankers Association
Location: West
Posted on: February 25, 2021
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Job Description:
Credit Manager - West Texas Market
Summary: Manages the commercial credit department 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/guarantors
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
--- Perform other tasks and assist in projects as needed.
Requirements 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. Wealth Management & Trust - 203
W. 10th St. Austin, TX 78701 - 512-472-7391 - Email
Keywords: Texas Bankers Association, Waco , Chief Credit Officer, Accounting, Auditing , West, Texas
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