Credit Officer

This is a fully remote position, open to applicants in Alabama, +6 more states.

📋 Description

• Take ownership of all responsibilities and challenges associated with the Business Lending Credit Officer role.

• Oversee the Company’s credit approval and review processes for centralized business-loan authorization.

• Ensure loan decisions adhere to policy guidelines and that collateral documentation is sufficient.

• Continuously manage and evaluate the quality and profitability of the commercial loan portfolio.

• Evaluate credit risk and either approve or decline loan requests within the limits of delegated authority.

• Suggest credit requests that surpass the delegated authority for further consideration.

• Lead the review of loan documentation to ensure adequacy and completeness.

• Support team members when workload exceeds capacity to fulfill service-level agreements.

• Provide guidance to credit and line personnel regarding lending policies, market trends, and suggested policy revisions.

• Execute special projects as assigned.

• Ensure adherence to Bank, State, Federal, and regulatory policies.

• Protect confidential information in accordance with Bank policies.

⛳️ Requirements

• A bachelor's degree or higher in Business Administration, Finance, Accounting, or a related discipline.

• A minimum of five years of experience in banking, specifically in commercial credit analysis, loan review, or lending.

• Strong interpersonal skills.

• Proficient computer skills, including Microsoft Word and Excel.

• Exceptional communication abilities.

• Capability to communicate and negotiate effectively with individuals at all levels.

• Must maintain a secure and distraction-free home office environment.

• A reliable private internet connection that is not dependent on cellular data is required.

• Must be able to stand and/or sit for extended periods.

• Ability to access and interpret information from computer screens, documents, and reports.

• Completion of required annual compliance training and New Employee Orientation is necessary.

🏝️ Benefits

• Opportunity for remote work / telecommuting.

• Secure home office environment.

• Reliable private internet connection; cable or fiber is preferred.

• Reasonable accommodations for individuals with disabilities.

• Required annual compliance training.

• New Employee Orientation.