REGIONAL CREDIT OFFICER - CRE

About CSB:

Coastal States Bank was founded on the relationships we build with each other and the communities we serve.  At Coastal States Bank, we seek dedicated individuals who will strive to provide excellent customer service and help us achieve our values. 

This position requires full-time hours Monday through Friday.   This position is not fully remote or hybrid.  The work location is within our corporate office on Galleria Parkway.   This role requires candidates to be locally based in the Atlanta region due to the necessity of regular, ongoing travel to various company sites on a weekly basis.  Pay is commensurate to experience in banking experience within Underwriting CRE.  Only qualified candidates will be contacted.  

Benefits Include:
401(k) & Company Match
AD&D insurance
Bankers School Career Planning 
Dental Insurance
Disability Insurance
Employee Assistance Program
Flexible Spending Account
Medical Insurance
Health Savings Account
Life Insurance (Dependents & Spouse)
Paid Family Medical Leave
Paid Federal Holidays
Paid Time Off
Referral program
Vision Insurance
 

Position Summary:

The Regional Credit Officer for commercial real estate plays an important role in coordinating lending activities within the supported areas. This role will be responsible for analyzing financials, understanding client performance, client creditworthiness and the risk involved in extending safe/prudent credit to new & existing customers.

Essential Functions: *

1. To assess and determine the financial condition, repayment capacity and character of borrowers and guarantors through the review and analysis of financial information including accountant or internally prepared financial statements, tax returns, personal financial statements, liquidity statements, business and personal credit reports in accordance with the bank’s loan policies and underwriting guidelines.
2. To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, purchase invoices and other collateral information based on the bank’s loan policies and underwriting guidelines.
3. To write credit memos, loan reviews, and other reports summarizing information about new or existing borrowers including:  the purpose of the loan, the experience/background of the borrower, the financial condition of borrowers and guarantors, repayment capacity, collateral adequacy, industry/market and using that information to evaluate a loan’s conformity to the bank’s lending guidelines/policies and banking regulations.    These credit memos may require presenting and making recommendations to Directors and Bank Management in order to extend credit.   The credit memo is summarized with risk grading of the loan and any other pertinent conditions to extend credit.
4. Maintain strong familiarity with current market dynamics within supported markets that impact the performance of commercial real estate assets including industrial, multifamily, retail, hospitality, office, self storage, residential construction, and senior housing.
5. To assist Bank Management in the timely monitoring of credit risk.
6. Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Chief Credit Officer.

Critical Success Factors:

• Excellent verbal and written communication skills
• Excellent organizational, multi-tasking and time management skills
• Excellent decision-making skills
• Ability to analyze medium to high level complexity credit
• Facilitates teamwork
• Proficient computer skills

Preferred Education/Experience/Software:

A Bachelor’s Degree in Finance, Accounting, Economics or Business to include advanced knowledge of book and tax accounting.   A requirement of 10+ years of experience as a commercial real estate underwriter or 5+ years of experience as a credit officer with experience in commercial real estate and homebuilder lending.  Substantial understanding of the job and applies knowledge and skills to complete a wide range of tasks; prepare financial spreads and utilize them in financial analysis reporting; and has the ability to use, understand and apply credit policy and bank regulations to responsibilities.  Exercise good judgment and discretion in the handling of confidential information for loans requiring credit decisions.

Completes diverse deadline driven tasks. Works with highly sensitive and confidential information. Excellent written and verbal skills necessary to interact and communicate with various levels of internal and external clients.  Solid time management and organizational skills with the ability to manage and prioritize multiple tasks to meet deadlines.  Works under general supervision and usually on own initiative. May perform some tasks independently and also work as a contributing team member.  May act as a resource to other internal staff.  Knowledgeable in a wide range of Microsoft Office software applications.  Proficient with Fiserv, nCino and other bank programs.   

Additional Requirements: 

The responsibility to acquire and maintain the required knowledge of State and Federal Banking regulations and policies. 

Training:

Responsible for the timely completion of all required compliance training such has BSA, Information Security, and other job specific training as assigned.

Work Environment/Physical Demands:

Professional office environment. While performing the duties of this position, the team member is regularly required to operate standard office equipment.  The team member is frequently required to communicate and perceive.   The position is primarily stationary and not substantially exposed to adverse environmental conditions and requires sedentary work such as exerting up to 10 pounds of force 5% of the time and a negligible amount of force approximately 95% of the time.