FC Bank, Senior Credit Officer

We’re NOW HIRING for enthusiastic, self-motivated individuals with positive attitudes for a Full time AVP or VP Credit Officer located in the Worthington branch. The Senior Credit Officer proactively assists and provides support to loan officers in their daily duties with commercial loan application data-gathering on entities and individuals, analysis of corporate documents and collateral research in compliance with regulations. Assists in the expansion of the Bank's Commercial Lending Portfolio by supporting the Lenders through independent credit analysis and preparing decision documents for credit approvals. Works with borrowers in obtaining payment on delinquent loans.

Below is a list of essential job functions. Additional responsibilities may be assigned in the position.

• Possesses and displays a positive attitude in managing change, working and communicating with others and adhering to policies, procedures and customer service standards.
• Develops a working knowledge of all customers, businesses and prospect opportunities of the loan officer(s) that will be assigned.
• Identifies aggregate exposures for borrowers for the appropriate approvals.
• Supports the loan officers in their sales and credit submissions/underwriting efforts including industry and company research.
• Collects and reviews all required collateral information for preparation of the proposed accommodation.
• Assists in the loan/term sheet proposal process within LoanVantage, for proposed accommodations/short and full.
• Responsible for coordinating the pre-loan documentation process by working with loan officers, internal departments and other third parties; title companies, attorneys, realtors, insurance representatives, etc.
• Provides ongoing assistance to borrowers in the form of: loan advances, pay downs, funds transfers, wires, etc. that are received/requested. Contacts borrowers by telephone and/or mail to determine reason for delinquency, and to make attempts to collect payment.
• Responsible for collection and review of pre-loan due diligence. This would include third parties through assigned internal positions; appraisals, feasibility studies, environmental, construction review, inspections and others as assigned.
• Monitor and work credit and collateral exceptions to ensure all items are resolved within established guidelines.
• Records information about status of customer and collection efforts in appropriate collection software.
• Works with collections and lender to determine necessary collection action, such as charge-off, repossession, and foreclosure. Monitors collection processes, both internally and with external agents, such as attorneys, to ensure timely action is taken.
• Meet and exceed customer satisfaction through the successful resolution of customer questions/concerns.
• Completes required training including regulatory, systems and others as required by the Bank and/or supervisor based on job duties within the requested time periods.
• Actively seeks professional development opportunities.

QUALIFICATIONS, EDUCATION, & EXPERIENCE

Title of Credit Officer, AVP/Credit Officer, VP/Credit Officer, or SVP/Credit Officer is dependent on education level and experience.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION and/or EXPERIENCE: Bachelor's degree (B.A.) from four-year college or university; five years or more of general banking experience and/or related training required. Commercial/business banking experience, preferred.

LANGUAGE SKILLS: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or government regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

MATHEMATICAL SKILLS: Ability to work with mathematical concepts such as probability and statistical inference, and fundamentals of plane and solid geometry and trigonometry. Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations. Knowledge in reading and interpreting financial statements required.

REASONING ABILITY: Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

PHYSICAL DEMANDS AND WORK ENVIRONMENT:

The physical demands and work environment described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.

This position operates in a professional office environment with time spent at a desk using office equipment such as computers, phones, and printers as well as travel to clients for one on one meetings. Noise level is moderate with constant communication and interactions with others. Ability to travel on occasion to all market areas and attend seminars or training sessions offsite.

BENEFITS

• Medical, Dental, Vision & Life Insurance
• 401K with company match and profit-sharing program
• Paid Time Off & Recognized Holidays
• Leave policies
• Voluntary Benefit Options (Life, Accident, Critical Illness, & Pet)
• Employee Assistance Program
• Employee Health & Wellness Program
• Special Loan and Deposit Rates
• Gradifi Student Loan Paydown Plan
• Rewards & Recognition Programs and much more!
  
  Eligibility requirements apply.

EOE/AAP: M/F/Vet/Disability

By submitting an application for considering you are agreeing to the following disclosure statement: I certify that all information I have provided in order to apply for and secure work with this employer is true, complete, and correct. I expressly authorize, without reservation, the employer, it’s representatives, employees or agents to contact and obtain information from all references (personal and professional), employers, public agencies, licensing authorities and education institutions and to otherwise verify the accuracy of all information provided by me in this application, resume, or job interview. I hereby waive any and all rights and claims I may have regarding the employer, its agents, employees, or representatives, for seeking, gathering, and using truthful and non-defamatory information in a lawful manner, in the employment process and all other persons, corporations, or organizations for furnishing such information about me. I understand that this employer does not unlawfully discriminate in employment and no question on this application is used for the purpose of limiting or eliminating any applicant from consideration for employment on any basis prohibited by applicable local, state, or federal law.

If I am hired, I understand that I am free to resign at any time, with or without cause and with or without prior notice, and the employer reserves the same right to terminate my employment at any time, with or without cause and with or without prior notice, except as may be required by law. This application does not constitute an agreement or contract for employment for any specified period or definite duration.
I also understand that if I am hired, I will be required to provide proof of identity and legal authorization to work in the United States and that federal immigration laws require me to complete an I-9 Form in this regard.
This Company does not tolerate unlawful discrimination in its employment practices. No question on this application is used for the purpose of limiting or excluding an applicant from consideration for employment on the basis of his or her sex, race, color, religion, national origin, genetic information, citizenship, age, disability, or any other protected status under applicable federal, state, or local law. This Company takes all complaints of harassment seriously and all complaints will be investigated promptly and thoroughly.

I understand that any information provided by me that is found to be false, incomplete, or misrepresented in any respect will be sufficient cause to 1) eliminate me from further consideration for employment or 2) may result in my immediate discharge from the employer’s service, whenever it is discovered.

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