Business Banking Credit Officer
Peoples Bancorp Inc. - Marietta, OH

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Under general direction, works closely with Business and Commercial Bankers to analyze, underwrite and decision credit requests for relationships up to $500,000. The position may also analyze and underwrite commercial banking loan requests for relationships in excess of $500,000. Support the ongoing development and growth of the Business Banking credit operation. Support the needs of the Credit Administration Department as directed by the Credit Administration Department manager.

Job Responsibilities
  • Promptly review loan requests submitted by Business and Commercial Banking Officers, evaluate trends and potential risks that could impact the customer/prospect’s ability to repay the credit extension and identify mitigating factors and/or additional information needs to offset these trends and risks.
  • Interact with Business and Commercial Banking Officers (and, on occasion, the customer/prospect) to identify and quantify repayment sources including cash flow, collateral, and individual recourse.
  • Clearly communicate progress and/or needs in a timely and precise manner throughout the underwriting process.
  • Proactively develop alternative structures, including SBA enhancements, as appropriate, with a goal of growing the loan portfolio, while maintaining asset quality.
  • Independently decision requests within individual loan authority or with concurrence of the Credit Administration Manager in cases where credit exposure exceeds individual loan authority.
  • Construct supporting decision analysis, utilize loan grading tools and determine documentation requirements, all chronicled in the Bank’s lending analysis programs.
  • Work with Credit Administration, Business Banking and Loan Operations staff to ensure consistent adherence to regulatory obligations and bank policies and procedures.
  • This position could have credit approval authority up to $500,000 depending on level and experience.
Manage the growth and development of the Business Banking Credit operation

Required Skills
  • Ability to formulate and articulate objective views based on professional credit analysis.
  • Knowledge of credit philosophy and policies, loan documentation, bankruptcy and related legal issues.
  • Minimum of bachelor’s degree or equivalent experience.
  • Strong verbal, written and interpersonal skills, as well as analytic and problem solving skills.
  • Demonstrated computer aptitude.
  • Work effectively in a team environment, while assuming individual responsibility.
Required Experience
  • Requires 5+ years experience in commercial credit underwriting, financial analysis and credit approval experience.
  • Requires credit approval experience in comparable commercial lending environment requiring exercise of judgment.

Peoples Bancorp Inc. - 23 months ago - save job