Senior Credit Officer

STATUS: Exempt, regular full-time
DEPARTMENT: Credit Administration
LOCATION: Fresno, CA / Bakersfield, CA

Job Summary and Scope of Responsibility: Monitor and evaluate the status of the bank's loan portfolio from a systems and servicing perspective. Review and approve credit requests. Initiate changes to risk grading.

Essential Duties & Responsibilities: With or without reasonable accommodation must be able to perform all essential job functions as described below.

• Monitor the overall credit quality of the Bank's loan portfolio. Monitor monthly reports, including maturing and past due loans and risk rating assignment. Verify conformity and identify exceptions in existing and prospective credit facilities.
• Review and approve loan requests to ensure compliance with the Bank's lending policy and established goals and objectives.
• Approve loan management activities, including advance requests and collateral releases, that exceed the account officer's authority. Review and ensure appropriate documentation are provided, and authorize necessary account maintenance.
• Manage the Director's Loan Committee process.
• Review problem loan reports for assigned relationship managers to ensure completeness and accuracy. Present action plan to Problem Loan Committee. Follow-up with the relationship manager to ensure the action plan is implemented.
• Provide training and direction to lending personnel to ensure they are aware of and meet underwriting and documentation quality requirements.
• Provide training and direction to account officers on matters of portfolio management to minimize loan losses.

Minimum Qualifications to Perform Essential Functions
Knowledge, Skills and Abilities:

• Knowledge of commercial credit principles, practices, strategies and regulations.
• Knowledge of credit risk management principles, practices, strategies and regulations.
• Commercial credit review skills necessary for sound judgment and decision making.
• Exceptional organizational and task management skills.
• Ability to communicate effectively with Board, management, account officers and support staff.
• Computer proficiency, including internet browsers and Microsoft Office Suite products.
• Ability to perform essential job functions independently, under minimal supervision.
• Proficiency at speaking, reading and writing English.

Experience and/or Education:

• Four-year degree in Business Administration, or equivalent training and experience.
• Ten years of experience in underwriting all types of loans.
• Knowledge of banking regulations, laws and bank policies, preferred.

Excellent benefits package for eligible employees and their families. Competitive salary BOE in the range of $126,000 - $194,000 Annually.

Equal Employment Opportunity Employer/Veterans/Disabled.