Senior Credit Officer, Commercial Lending - TransPecos Banks

Job Title: Senior Credit Officer, Commerical Lending

Summary: The Senior Credit Officer, Commercial Lending leads the day-to-day operations of the credit department while communicating with multiple internal and external stakeholders. In addition, the candidate underwrites various credits as needed and acts as a backup to the other analysts.

Wage Type: Exempt

This position is onsite.

Essential Duties & Responsibilities:
To perform this job successfully, an individual must be able to perform each of the essential duties satisfactorily. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Works with key stakeholders across the organization to ensure the completeness and accuracy of credit packages.
• Assigns loan requests and acts as additional underwriter as needed.
• Works across other lines of business, including lending, loan closing, etc., to identify pain points and find solutions.
• Forecasts loan committee needs based on current pipeline and schedules committee meetings to match.
• Partners with credit officers to identify training gaps and then institute any changes to the credit analyst training assignments.
• Works with analysts to manage career progression and identify potential next roles.
• Prepares various reports on an as needed basis.
• Any other duties as assigned.

Key Deliverables:

• This is an optional section to highlight.

Organizational Structure:

Reports to: Chief Credit Officer

Supervises: Credit Analysts

Qualifications:

Education:

• Master's Degree in a business-related concentration.

Required Experiences/Skills:

• 10+ years of banking experience preferred.
• Previous experience with SBA or other government guaranteed loans preferred.
• Experience with, or working knowledge of, other lines of business, including, lending, loan operations, account opening, loan closing, and commercial operations.
• Working knowledge of complex lending, financial structuring, and credit arrangements; including transactions which include new market tax credits and historical tax credits, preferred.
• Experience with real estate, construction, and C&I loans.
• Prior experience with a community bank.
• Experience related to financially distressed loans, restructuring and workouts, preferred.
• Knowledgeable in credit write ups
• Financial spreads
• Cash flow analysis
• Previous experience with Sageworks preferred.

Talents:

• Strong positivity
• Mission driven, competitive, goal oriented, and motivated to develop themselves and others
• Energetic, resourceful, and appropriate work intensity to get the work done
• Strong people acumen and relationship skills; Naturally pre-disposed to quickly establish positive personal and professional relationships
• Strong ability to identify potential points of friction within an organization and develop a remedy.
• Understanding how to balance the needs of multiple departments to further the end goal of the Bank.

TransPecos Banks will not accept unsolicited resumes from any source other than the candidate. We will consider any candidate for whom an Agency submits an unsolicited resume, to have been referred to us by the Agency free of any charges or fees, other than those agencies we engage on a specific search. TransPecos Banks will not pay a fee for any placement resulting from the receipt of an unsolicited resume.