Kansas Action for Children, Inc
Regional Credit Officer
Kansas Action for Children, Inc, Topeka, Kansas, United States,
at Equity Bank in Wichita, Kansas, United StatesJob Description
Responsibilities and Expectations
COMMERCIAL CREDIT UNDERWRITING
Reviews credit analysts work to ensure quality and consistency across the department.Reviews credit presentations and discusses the credit requests / annual reviews with the Lender & Credit Analyst prior to submission to Committee.Ensures that credit presentations are accurate and complete, including sufficient financial analysis.
CREDIT ADMINISTRATION
The Senior Credit Officer along with the Senior Credit Manager, Credit Managers, Special Assets Manager and Chief Credit Officer, will work in conjunction to establish and maintain credit administration policies, underwriting guidelines and credit procedures.Works with the Lenders and Market Presidents on developing action plans and strategies on pass rated credits needing additional attention. May include site inspections and client meetings with the Lenders.Identifies and initiates corrective action on credit problems.Ensures the timely identification and reporting of Loan Policy exceptions.Monitors the tracking, compliance and enforcement of loan covenants.Monitors the tracking and remediation of loan documentation exceptions.Monitors the tracking and remediation of financial statement exceptions.Works with Lenders and Special Assets Manager on maintaining past due loans within acceptable limits.Be cognizant of economic and industry trends in order to maximize opportunities and minimize risk.Ensure that the credits have been assigned the proper risk rating by the loan officer and or loan committee(s).Assists the CCO in the due diligence process in M&A transactions.
REGULATORY / AUDIT RELATIONS
Assists CCO and CRO with examination and audit processes to ensure a smooth experience and positive results.Assists the CCO with FDICIA key controls.Maintains open communication with regulators and auditors, advising them of major issues and seeking advice when necessary.
APPROVALS
Approves consumer, mortgage and commercial loans within prescribed authority limits.
BANK MANAGEMENT
Supports and implements Directors’ and Senior Management decisions.Provides constructive input and ideas to improve the bank’s credit quality and performance.Represents the bank in a professional manner in the community.
CREDIT ANALYST TRAINING AND DEVELOPMENT
Challenges credit analysts to pursue professional and personal growth opportunities.Assists the Senior Credit Manager in the training and development of the credit analysts.
Understands and follows the applicable laws and regulations for job responsibilities including but not limited to:
Equity Bank Business Ethic and Conduct PolicyBank Secrecy Act (“BSA”)Information SecuritySuspicious Activity Report (“SAR”)Reg. “O”Reg. “B”Fair Lending
Other Duties and Tasks as assigned.To view full details and how to apply, please login or create a Job Seeker account.#J-18808-Ljbffr
Responsibilities and Expectations
COMMERCIAL CREDIT UNDERWRITING
Reviews credit analysts work to ensure quality and consistency across the department.Reviews credit presentations and discusses the credit requests / annual reviews with the Lender & Credit Analyst prior to submission to Committee.Ensures that credit presentations are accurate and complete, including sufficient financial analysis.
CREDIT ADMINISTRATION
The Senior Credit Officer along with the Senior Credit Manager, Credit Managers, Special Assets Manager and Chief Credit Officer, will work in conjunction to establish and maintain credit administration policies, underwriting guidelines and credit procedures.Works with the Lenders and Market Presidents on developing action plans and strategies on pass rated credits needing additional attention. May include site inspections and client meetings with the Lenders.Identifies and initiates corrective action on credit problems.Ensures the timely identification and reporting of Loan Policy exceptions.Monitors the tracking, compliance and enforcement of loan covenants.Monitors the tracking and remediation of loan documentation exceptions.Monitors the tracking and remediation of financial statement exceptions.Works with Lenders and Special Assets Manager on maintaining past due loans within acceptable limits.Be cognizant of economic and industry trends in order to maximize opportunities and minimize risk.Ensure that the credits have been assigned the proper risk rating by the loan officer and or loan committee(s).Assists the CCO in the due diligence process in M&A transactions.
REGULATORY / AUDIT RELATIONS
Assists CCO and CRO with examination and audit processes to ensure a smooth experience and positive results.Assists the CCO with FDICIA key controls.Maintains open communication with regulators and auditors, advising them of major issues and seeking advice when necessary.
APPROVALS
Approves consumer, mortgage and commercial loans within prescribed authority limits.
BANK MANAGEMENT
Supports and implements Directors’ and Senior Management decisions.Provides constructive input and ideas to improve the bank’s credit quality and performance.Represents the bank in a professional manner in the community.
CREDIT ANALYST TRAINING AND DEVELOPMENT
Challenges credit analysts to pursue professional and personal growth opportunities.Assists the Senior Credit Manager in the training and development of the credit analysts.
Understands and follows the applicable laws and regulations for job responsibilities including but not limited to:
Equity Bank Business Ethic and Conduct PolicyBank Secrecy Act (“BSA”)Information SecuritySuspicious Activity Report (“SAR”)Reg. “O”Reg. “B”Fair Lending
Other Duties and Tasks as assigned.To view full details and how to apply, please login or create a Job Seeker account.#J-18808-Ljbffr