Credit officer job description

Treliant is a global consulting firm serving banks, mortgage originators and servicers, FinTechs, and other companies providing financial services. We are led by practitioners from the industry and the regulatory community who bring deep domain knowledge to help our clients drive business change and address the most pressing compliance, regulatory, and operational challenges.

We provide data-driven, technology-enabled advisory, implementation, and staffing solutions to the regulatory compliance, risk, financial crimes, and capital markets functions of our clients.

Founded in 2005, Treliant is headquartered in Washington, DC, with offices in New York, London, Belfast, Northern Ireland and Łódź, Poland. For more information visit www.treliant.com.

Treliant has established a new Credit Solutions practice to help its financial institution and financial services clients address the evolving credit landscape.

We are seeking highly motivated Credit Risk Officers to address our clients' commercial (largely, but not entirely, C&I) and consumer credit risk mitigation needs, including traditional credit/loan reviews, credit administration and policy reviews, and allowance for loan losses / CECL methodology reviews, among others. These roles will conduct independent reviews and produce reports on policy and underwriting exceptions, the adequacy of credit quality and loan documentation, credit administration procedures, and compliance with established policies.
Responsibilities
Perform comprehensive reviews of sampled new loans and modifications to identify potential credit risk weaknesses, policy or regulatory violations, servicing deficiencies, or other relevant trends. These reviews will include analyses of financial information and the credit facility to help form conclusions on the loans or modifications. Perform credit analyses, which will include analyses of financial statements and ratios, cash flow models, collateral, and underwriting decisions. Ensure individual loan transactions are adequately underwritten, properly graded, appropriately priced, and conform to client policies. Produce trend and portfolio management analyses and determine if additional analysis is needed. Clearly communicate (in a defined reporting format) exceptions, trends, concerns, and conclusions of the loan and modification reviews to clients. Write and present clear and concise reports to provide meaningful recommendations to clients.
Qualifications
Minimum of four (4) years' experience in a credit analyst, commercial lending assistant, loan officer, commercial credit officer, or credit review related position. Knowledge of current commercial and consumer banking laws and regulations, required loan documentation, and bank lending policies to manage the risks in clients' loan portfolios. Strong interpersonal skills to successfully communicate (verbally and written), negotiate, and influence clients, from bank associates to executive management. Comfort working both independently as well as being a part of a broader team under the direction of an engagement lead. General computer skills with specific knowledge of Windows-based applications (i.e., Excel, Powerpoint, Word). Bachelor's degree in Finance, Economics, or related field. MBA preferred. Job relevant certification (e.g. CPA, CRC, BAI Loan Review Certification) preferred.
Benefits
Treliant offers a comprehensive, total rewards package that includes competitive compensation and a flexible benefit package that reflects our commitment to creating a diverse and supportive workplace. In addition to a competitive base salary, candidate is eligible for incentive pay as well as a full range of health benefits, vacation plan, and 401k plan.

If you want to be part of a dynamic team of professionals, we invite you to join the team at Treliant. We invest in people, and challenge you to advance your career while achieving your aspirations and goals. Here at Treliant, we pride ourselves on our collaborative team culture, where we embrace diversity of thought and innovation. If you strive for excellence and seek an inclusive environment apply on line www.treliant.com and follow us on LinkedIn.
Treliant LLC is an Equal Opportunity Employer and does not discriminate on the basis of race, color, national origin, sex, sexual orientation, genetic information, religion, age, disability, or military status in employment or provision of services. When contacted for an interview, an applicant who requires special accommodations due to a disability should notify the office so that proper arrangements can be made .

• Must have over 7 years of SBA underwriting experience. Previous work related skill, knowledge or experience is required.
• Basic computer skills including Microsoft Word, Excel and Outlook. Be detail oriented and well organized.
• Ability to work with minimal supervision while performing duties.
• Ability to deal with difficult problems involving multiple facets and variables in non-standardized situations.

Education:
Bachelor’s Degree (BA) or equivalent from a 4-year college or university; 7 years or more of related experience and/or training; or the equivalent combination of education and experience. Work related experience should consist of SBA underwriting duties with a financial institution. Educational experience, through in-house training sessions, formal school or financial industry related curriculum, are business or financial industry related.

Knowledge:

• Advanced level of work experience, knowledge and training in all SBA loan servicing activities and terminology, including SBA Standard Operating Procedures (SOP).
• Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
• Knowledge of packaging, originating, and underwriting SBA loans.
• Advanced knowledge of related state and federal banking compliance regulations, and other Bank lending policies.
• Effective verbal, written and interpersonal communication skills with the ability to apply common sense to carry out instructions, interpret documents, understand procedures, write reports and correspondence, and speak clearly to customers and colleagues.

Physical Requirements:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is occasionally required to:

• Stand; walk; sit; use hands and fingers to handle, and/or feel objects, tools or controls; reach with hands and arms; climb stairs; balance; stoop, kneel, crouch or crawl; talk and hear.
• The employee must occasionally lift and/or move up to 25 pounds.

Primary Office Location:

1650 Crooked Oak Drive Suite 320. Lancaster, Pennsylvania. 17601.


Join our team. Make a difference - for us and for your future.


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Position Title: Regional Credit Officer
Business Unit: Credit
Reports To: Chief Crd Off and Lending Supp and Spec Lending Grp Ex

Position Overview:
This position is primarily responsible for the oversight and direction of an entire assigned lending territory including origination, development and maintenance of profitable business relationships, developing, implementing, interpreting and maintaining lending policies and procedures and ensuring all lending programs comply with federal and state regulations as well as Bank policy. The incumbent is part of the senior management team and participates in the Bank's overall management and planning.

Primary Responsibilities:
Provides loan underwriting and structuring guidance and support for an assigned lending region.
Reviews underwriting requests for compliance with Bank policy and regulatory requirements.
Provides credit approval for requests within defined lending authority that meet the Bank's underwriting standards and lending objectives.
Supports the Bank's established lending goals while maintaining desired asset quality levels.
Assists with the mentoring, guidance and support of assigned lending team. Assists and mentors credit analysts as needed with difficult credit underwriting issues. Assists lending staff in identifying appropriate risk ratings. Assist in managing criticized assets.
Monitors loan exception items for assigned regions and work with lending team to resolve. Monitors regional credit quality issues such as delinquency, etc.

Participates as a member of SACC for respective regional credits.
Assists with review, analysis and integration of acquisition opportunities.
Performs other related duties and projects as assigned.
All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program.

F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education:
BA or BS

Minimum Years Experience:
10

Special Skills:
Excellent management skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Excellent customer service skills
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
MBA preferred. Experience in banking, finance or a related field. Knowledge of banking regulatory and compliance issues preferred.

Special Licenses and Certificates:
N/A

Physical Requirements:
N/A