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 be a part of our growth and achieving our values.
This position requires full-time hours Monday through Friday. This position is not fully remote. Pay is commensurate to experience in banking experience. 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
Paid Family Medical Leave
Paid Federal Holidays
Paid Time Off
Referral program
Vision Insurance
The Regional Credit Officer plays an important role in coordinating day to day lending activities with Relationship Managers and the Credit Department of the bank. 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.
Your responsibilities will include, but not be limited to the following Essential Functions:
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Collaborate with Relationship Managers in credit structing and understanding client’s loan request. Work with Relationship Managers in obtaining necessary information (financials and/or relative documents) to underwrite credit requests.
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Attend periodic calls with existing and potential borrowers that support the strategic growth plans of the assigned region.
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Perform due diligence of loan requests once information is received. Identify and mitigate risks within the approval process. Assess credit risk ratings on new and existing relationships.
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Decision credits within delegated lending authority and make recommendations when requests are outside of delegated authority.
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Maintain strong understanding of CSB lending policies as well as regulatory requirements to ensure credit requests comply and/or reasonable exceptions are clearly documented and mitigated.
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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.
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Participate in quarterly watchlist calls with recommendations for problem resolution strategy for borrowers in assigned region.
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Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Supervisor.
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 5-7 years of experience as a bank credit analyst and/or loan underwriter. 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.
Skills Required
- Bachelor’s degree in Finance, Accounting, Economics, or Business
- 5–7 years of experience as a bank credit analyst and/or loan underwriter
- Advanced knowledge of book and tax accounting
- Ability to analyze medium- to high-complexity credit
- Knowledge of credit policy and state and federal banking regulations
- Proficiency with Microsoft Office, Fiserv, nCino, and other banking software
- Excellent verbal and written communication skills
- Strong organizational, multitasking, time-management, and decision-making skills
What We Do
Founded in 2004 in Hilton Head Island, South Carolina, Coastal States Bank is a relationship-based community bank. It provides a full range of banking services, including commercial, consumer, and mortgage banking products, designed to serve businesses, business owners, and individuals. The bank focuses on building deep roots within the communities it serves across South Carolina and Georgia.
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