Northwest Bank
SBA Credit Officer
Northwest Bank, Columbus, Ohio, United States, 43224
Description
Job Summary
The Credit Risk Officer is responsible for reviewing and approving SBA loans and modifications up to a designated limit and for assigned credit products in order to maintain the desired balance between growth, profitability and credit quality. The Credit Risk Officer will collaborate with Credit Management leadership to guide SBA underwriting, enforce loan policy requirements and establish risk tolerances within the commercial loan portfolio.
Essential Functions
Ensure SBA underwriting product is consistent with established content and format requirements and aligned with Credit Policy
Maintain a knowledge and understanding of regulatory / accounting concepts affecting commercial credit, including Appraising/FIRREA, Troubled Debt Restructuring, Non-Accrual, and Impairment
Approve credit actions up to established lending authority.
Participate in quarterly "watch list" meetings with lending and supervisory staff
Assist relationship managers with identification of problem credits.
Analyze financial statements
Remain current on all banking rules and regulations relating to Credit Administration
Meet or exceed established service level expectations
Participate with the lending staff on commercial credit customer calls as needed
Independently review and analyze credit requests including large and complex commercial and industrial and commercial real estate with the objective of facilitating loan originations in a timely manner, within acceptable credit risk parameters
Maintain the desired balance between growth, profitability, and credit quality
Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses
Recommend improvements to policies, procedures, and workflow to maximize efficiency and control costs
Identify potential for credit losses and proposing appropriate risk mitigants as appropriate
Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency
Work as part of a team
Work with on-site equipment
Education and Experience
Bachelor's degree in Business, Accounting, or Finance degree or related subject required
8-12 years of experience related to SBA Lending or Commercial Lending(CRE & C&I) preferred
Prior supervisory experience preferred
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Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)#J-18808-Ljbffr
Job Summary
The Credit Risk Officer is responsible for reviewing and approving SBA loans and modifications up to a designated limit and for assigned credit products in order to maintain the desired balance between growth, profitability and credit quality. The Credit Risk Officer will collaborate with Credit Management leadership to guide SBA underwriting, enforce loan policy requirements and establish risk tolerances within the commercial loan portfolio.
Essential Functions
Ensure SBA underwriting product is consistent with established content and format requirements and aligned with Credit Policy
Maintain a knowledge and understanding of regulatory / accounting concepts affecting commercial credit, including Appraising/FIRREA, Troubled Debt Restructuring, Non-Accrual, and Impairment
Approve credit actions up to established lending authority.
Participate in quarterly "watch list" meetings with lending and supervisory staff
Assist relationship managers with identification of problem credits.
Analyze financial statements
Remain current on all banking rules and regulations relating to Credit Administration
Meet or exceed established service level expectations
Participate with the lending staff on commercial credit customer calls as needed
Independently review and analyze credit requests including large and complex commercial and industrial and commercial real estate with the objective of facilitating loan originations in a timely manner, within acceptable credit risk parameters
Maintain the desired balance between growth, profitability, and credit quality
Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses
Recommend improvements to policies, procedures, and workflow to maximize efficiency and control costs
Identify potential for credit losses and proposing appropriate risk mitigants as appropriate
Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency
Work as part of a team
Work with on-site equipment
Education and Experience
Bachelor's degree in Business, Accounting, or Finance degree or related subject required
8-12 years of experience related to SBA Lending or Commercial Lending(CRE & C&I) preferred
Prior supervisory experience preferred
#LI-EK1
#LI-Hybrid
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)#J-18808-Ljbffr