The Regional Credit Director (“RCD”) is responsible for oversight and monitoring the quality of the commercial loan portfolio for respective geographic regions(s). This position will assess credit risk and provide guidance to lenders and senior regional leadership to determine adequacy of underwriting and risk ratings. RCD will assist in structuring, analyzing and approving credit and provide advice and guidance on new or existing credit relationships. RCD will ensure commercial lending activities in geographic region are conducted in accordance with Bank policies and requirements.
Primary Duties:
- Implement and monitor credit policies and procedures with controls sufficient to maintain acceptable asset quality and credit risk management.
- Maintain accountability for credit decisions including responsibility for approval of credit relationships up to established limit.
- Serve as Chair and voting member of regional Senior Loan Committee for review and approval of credit relationships up to established limit in the geographic region(s) of primary responsibility.
- Responsible for accuracy of risk ratings within assigned region(s).
- Attend Problem Loan Meetings for assigned region(s). RCD role is to be informed and consulted as needed regarding Loan Officer’s recommended action plan(s), the status and effectiveness of such action plans, adequacy of risk ratings, accrual status, impairment and reserves.
- Proactively monitor the escalation and resolution of critical credit administration items and appropriately hold individuals within the region accountable for performance results.
- Consistently and effectively interact with various business line managers to identify and resolve conflicts, build effective consensus and earn the trust and commitment of team members (credit and business line).
- Work with lines of business, regional managers and regional teams to improve consistency and content of loan presentations; ensure adherence to credit criteria, information guidelines, underwriting requirements and performance expectations to improve performance of the portfolio.
- Proactively communicate with Regional Directors, Presidents, Lenders, Credit Officers, Chief Credit Officer and other Commercial Lending Administration leadership regarding portfolio management.
- Maintain up-to-date knowledge of changing industry, legislative and regulatory climate as well as recommend appropriate changes to the Bank’s policies and procedures.
- Supervise designated teams providing specialized commercial lending administration support including credit and loan portfolio administration, commercial real estate and construction lending administration and others areas as needed.
- Know by name and face as many customers and employees as possible, calling them by name as often as possible.
- Know and practice LOCBUTN, our Golden Rules and Bell Bank Customer Service Standards.
- Know, understand and live the company values and bottom line.
- Conduct activities consistent with established Bell Bank policies, procedures and systems, the Bell Bank Employee Conduct policies, the Bank Secrecy Act and all applicable state and federal laws and regulations.
- All employees are responsible for information security, including compliance with policies and standards which protect sensitive information.
- Prompt and reliable attendance.
- Perform other duties as assigned.
Job Skills Required:
- B.A. in accounting, finance, business administration or related field.
- Minimum of 15 years of commercial banking experience. A diverse background including at least 10 years of credit risk, administration management or commercial lending experience is preferred.
- Strong working knowledge of risk assessment using credit analytical methods, models and tools with proven experience applying analytical principals and concepts to credit risk management.
- Good understanding of client market, industry and economic trends.
- Detailed knowledge of loan policies, lending guidelines and procedures, loan structures and loan documentation.
- In-depth knowledge of regulatory climate and requirements.
- Demonstrated ability to manage multiple tasks in a high-volume workflow environment with multiple priorities, interruptions and potential short-term deadlines.
- Ability to work well in a collaborative, cohesive and cooperative team environment.
- Excellent written and verbal communication skills.
- Proficiency with computer technology.
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What We Do
People matter at Bell Bank – and it shows in how our team members treat each other, our customers and those around us. As members of the Bell Bank family, we provide unequaled personal service, working in the best interest of those we serve. Our award-winning workplace promotes success, recognizes achievement – and offers an environment focused on having fun while helping others. At Bell, we build careers. We build community. We positively impact lives around us. Employees are actively encouraged to volunteer (receiving 16 hours of paid volunteer time annually), and our unique Pay It Forward initiative has empowered more than $17 million in employee giving to people and causes we care about. Founded in 1966 and headquartered in Fargo, North Dakota, Bell has grown to become one of the nation’s largest independently owned banks. A family- and employee-owned company, Bell has full-service bank locations in North Dakota, Minnesota, and Arizona and mortgage offices in multiple states. Bell Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender (we lend without regard to race, color, religion, national origin, sex, handicap or familial status). Investment and wealth management services are not FDIC insured, have no bank guarantee, may lose value, not a deposit and not insured by any federal government agency.
