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Atlantic Union Bank Careers

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Centralized Commercial Credit Officer III

Location

United States

Posted

8 days ago

Salary

0

Seniority

Mid Level

No structured requirement data.

Job Description

Centralized Commercial Credit Officer III

Atlantic Union Bank Careers

Role Description The Centralized Commercial Credit Officer is responsible for loan approvals on business purpose and commercial real estate loans within line of business parameters. Loan authority is commensurate with experience, expertise, and business need. This position will interact closely with others in Credit Administration, as well as the revenue producing lines of business. The position’s primary goal is to make credit decisions that are consistent with the corporate credit culture and to provide timely responses on complete loan request packages. - Reviews and determines appropriate risk assessment of business loan requests, including the appropriate level of analysis of borrower's business, management, financial condition, and operations. - Evaluates financial statements and prepares independent written credit evaluations on the most complex business loans and relationships. - Applies experience and judgment to evaluate the level of risk within a request and structure the loan terms to meet the borrower’s needs while adhering to AUB’s risk and credit policies. - Signature loan approvals on business relationships to be determined based on experience, expertise, and business need. - Collaborates with sales and credit partners to meet deadlines on business loan requests. - Accountable for and manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues, and following through for remediation. - Works strategically with relationship managers on risk management issues and/or loan structure as requested or otherwise deemed necessary or appropriate. - Works with Wholesale and Business Banking relationship managers and line management to ensure that business banking loan portfolio quality goals are met. - May mentor less experienced Centralized Credit Officers on the evaluation of credit risk factors, loan decisions, and other credit topics. - Reviews loan packages and provides approval concurrence for other Credit Officers as needed. - Maintains current operating knowledge of all job-relevant legal and regulatory requirements through compliance and regulatory training. Qualifications - Bachelor's degree in business, finance, or related field. - Seven or more years’ experience in business banking/commercial banking and/or a credit administration position that included underwriting and assessment of credit requests. - Prior loan approval authority highly preferred. Requirements - Results oriented and decisive. - Confident in knowledge and experience; able to clearly articulate loan approvals and declines. - Accuracy and attention to detail a must. - Ability to handle confidential information with the utmost discretion. - Ability to work independently as well as within a team environment. - Strong interpersonal, communication, and listening skills. - Strong consultative skills including the ability to ask critical questions to identify opportunities. - PC proficiency and experience with word processing and spreadsheet software. - Strong knowledge of loan documentation and related risks. Benefits - Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. - This position is also eligible to participate in either an applicable incentive compensation plan or a discretionary profit sharing bonus program. - General information on our comprehensive benefits package can be found by visiting here .

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