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Regional Credit Officer

Company: Busey
Location: Carmel
Posted on: May 3, 2021

Job Description:

WHAT YOU'LL DO The Regional Credit Officer (RCO) will have the primary responsibility for managing Busey's Commercial Approval and Underwriting Processes for the region they support. WHAT YOU'LL BRING The Regional Credit Officer is a pivotal Credit position for Busey to develop sound new borrower relationships, monitor the portfolios and associated risk, as well as assure systems are kept current and accurately reflect portfolio risk. This will be accomplished through the following:

  • Counseling and Consulting - The RCO will assist with the analysis and structuring of requests to best align risk with the banks policies and risk tolerances.
  • Communication - The RCO will communicate regularly and establish good working relationships with the RM's and other team leads they support. This will include regularly scheduled attendance at team meetings and visits to remote offices to facilitate open dialog, strong relationships, early inclusion in the credit process and client calling efforts.
  • New Loan and Renewal Production - Facilitate timely and succinct credit analysis and loan structure with deference to policy for new requests and renewals of existing relationships including timely credit decisions.
  • Pipeline - Working with the pipeline, the RM's, Underwriters, and Credit Analysts, an RCO will gain early entry into the credit process so as to best counsel and influence new credit requests in line with the organization's risk tolerance and policy.
  • Proper Loan Grading - Regulatory grades and PD/LGDs all need to accurately reflect the current performance of the borrower and therefore risk to the organization.
  • Field Exam Review, audits, loan reviews and exams, ALSR review and approval, non-accrual and charge off forms, TDR review process.
  • Managing a team of Commercial Underwriters to include: hiring, training, mentoring of Underwriters and Analysts, and periodic/annual reviews.
  • Working closely with the Commercial line of business manager, manage the work flows necessary to maintain the timeliness of the underwriting needed for both existing and new relationships. Knowledge of:
    • Excellent oral and written communication skills
    • Strong interpersonal, organizational, analytical, presentation, and critical thinking skills
    • Comprehensive knowledge of the overall departmental function, including expert knowledge in Busey's Commercial/Credit line of business Ability to:
      • Provide accurate and timely Commercial Analysis and Approval
      • Take independent action within established options and develops new procedures and approaches to problems when necessary
      • Analyze situations and solve problems
      • Perform duties and make decisions under frequent time pressures EDUCATION & TRAINING Requires Bachelor's degree with a concentration in Business or Finance. Requires 7 or more years of Commercial Credit experience with prior single signature approval authority. Requires 5 or more years' experience in a progressive management/leadership role. Requires proficient knowledge of Microsoft Office. Busey believes that diversity and inclusion among our teammates is critical to our success as a company, and we seek to recruit, develop and retain the most talented people from a diverse candidate pool. Equal Opportunity Employment is a priority for Busey and all qualified applicants will receive consideration regardless of race, color, religion, national origin, genetic information, sex (including pregnancy), age, sexual orientation, gender (including gender identity and expression), marital status, military status, veterans status, citizenship status, disability, order of protection or any other characteristic protected by applicable law or other non-merit based factors.

Keywords: Busey, Carmel , Regional Credit Officer, Other , Carmel, Indiana

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