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Centralized Commercial Credit Officer II
Location
District Of Columbia + 3 moreAll locations: District Of Columbia | North Carolina | Maryland | Virginia
Posted
21 days ago
Salary
$90.2K - $150.6K / year
Seniority
Senior
Job Description
Centralized Commercial Credit Officer II
Atlantic Union Bank
• Responsible for loan approvals on business purpose and commercial real estate loans within line of business parameters. • Interact closely with others in Credit Administration, as well as the revenue producing lines of business. • Make credit decisions that are consistent with the corporate credit culture and 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 business loans and relationships. • Apply 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. • Collaborate 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. • Provides guidance/mentoring to Relationship Managers on risk management issues and/or loan structure as requested or otherwise deemed necessary or appropriate.
Job Requirements
- Bachelor's degree in business, finance or related field.
- Five 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.
- Results oriented, 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, including the use of system and user generated formulas, macros, charts, and tables.
- Working knowledge of loan documentation, i.e. documents needed to perfect a lien on various collateral types; familiarity with documents signed; identifying related risks and working with Legal as deemed appropriate.
Benefits
- General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits
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