The Senior Credit Officer is managing and overseeing credit risk, ensuring compliance, and providing guidance on lending policies and procedures, while also reviewing and approving loan applications. Responsible for driving asset quality within the commercial portfolio.
- Reviews loan applications and analyzes credit information to assess customer's credit worthiness and makes decisions about credit requests pursuant to bank policy. Assigned to regions and larger/complex loans
- Manages the existing portfolio for asset quality to include asset reviews of large relationship, identifying problem loans, timely renewal of maturities, assisting in resolution of critical exceptions, assisting in managing covenant defaults
- Supports the market in business development efforts by participating in sales calls
- Prepares reports on large loan applications and presents these to Loan Committee, with recommendations; participates in Loan Committee decision making; issues loan approvals within defined limits
- Participates in the mentoring and development of lenders, relationship managers, portfolio managers, and analysts
- Provides advice and guidance to loan officers regarding loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations; may participate in training of loan officers and support lenders' adherence to Bank's lending policies and procedures
- Responsible for managing and resolving a portfolio of adversely classified and non-performing commercial loans and business lending relationships
- Develop and execute asset resolution strategies, including loan restructures and modifications; analyze borrower financials, cash flow, rent rolls and guarantor capacity to inform strategy
- Prepare internal criticized asset reports
Qualifications:
- Bachelor's degree or equivalent educational/work experience
- 10+ years of progressively responsible professional and supervisory work experience in one or a combination of business, C&I, ABL, commercial real estate, SBA and consumer lending; proficiency in analysis software
Skills:
- Working knowledge of Microsoft Excel and MS Word; basic keyboarding and calculator skills; must be able to do complex math and carry out complex written instructions
- Work may occasionally require more than 40 hours per week to perform the essential function of the job
- Office setting with lifting up to 30 lbs.
ANBTX strongly encourages candidates that are fluent in English and Spanish to apply. Jobs that specifically require candidates to be bilingual will be posted as a requirement.
Equal Opportunity EmployerThis employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.
Skills Required
- Bachelor's degree or equivalent educational or work experience
- 10+ years of progressively responsible professional and supervisory experience in business, C&I, ABL, commercial real estate, SBA, or consumer lending
- Proficiency in analysis software
- Working knowledge of Microsoft Excel and Microsoft Word
- Ability to perform complex mathematical calculations and follow complex written instructions
- Fluency in English and Spanish
What We Do
Since 1875, American National Bank of Texas (ANBTX) has been a community bank deeply involved with local business owners, possessing a clear understanding of their challenges, goals, and financial needs. We strive to build lifelong relationships by listening first and then building an integrated product and services mix from our portfolio, including cash management, merchant services and loans and lines of credit. The result? Empowered business customers who are successfully positioned for growth and stability, and ready to capture new business opportunities in the fast-moving North Texas market. Our commitment begins with our Relationship Managers, who are dedicated to customer success. It’s fulfilling work -- so much so that ANBTX has been named a Dallas Morning News "Top 100 Places To Work" for seven years in a row. Member FDIC.
