Senior Credit Officer

Senior Credit Officer

Take the next step toward your new career today! Become a part of the diverse and inclusive team within our nationally recognized award-winning Bank that is one of the strongest in the nation. Woodforest National Bank is privately owned, and our Employee Stock Ownership Plan is the largest shareholder. We focus on building relationships and discovering opportunities to better serve our communities and understand the financial needs of every customer we serve. At Woodforest we care and prove it by volunteering with local charities and foodbanks to give back to the communities we serve. By joining Woodforest you will become a part of one of the largest employee-owned banks in the country! The Senior Credit Officer (SCO) is responsible for ensuring the integrity and creditworthiness of the commercial portfolio in accordance with the Bank's loan policy and regulatory guidelines. The SCO will manage the underwriting and documentation process of all new loan relationships and the management of the portfolio of loans on an ongoing basis. The SCO will also be responsible for reviewing action plans and consulting on exit strategies on any troubled credits. The SCO reports to the Chief Credit Officer and will ensure that proper approval records and portfolio management reporting are prepared and communicated in a consistent and concise manner.

Key Responsibilities:

• Work with Relationship Managers on the initial screening, underwriting and structuring of all new loan relationships.
• Identify, report and track any policy or guideline exceptions.
• Manage the day-to-day portfolio management functions including daily client service, covenant and borrowing base review, financial review, internal reporting.
• Ensure proper risk rating assignment on all relationships.
• Recruit, train and manage credit analysts and commercial underwriters.

Competencies Required:

• Excellent analytical, problem solving, and decision-making skills.
• Excellent organizational and time management skills, with strong attention to detail and concern for accuracy.
• Excellent client service skills with the ability to effectively communicate clear expectations, issues and status, and take strong action steps when required.
• Ability to interact, influence, and communicate effectively with various internal and external parties.
• Knowledge of Bank policies and procedures and regulatory requirements.
• Proficiency with Microsoft Office (Excel, Word, Outlook, SharePoint) and ability to navigate loan and bank software applications and related websites.

Qualifications:

Minimum Qualifications/Experience:

• Minimum of 15 years of lending, credit and workout experience in the banking industry required.
• Minimum of 5 years of experience managing a team of underwriters and/or portfolio managers required.

Formal Education & Certification:

• Bachelor's Degree in Business Administration, Finance, Accounting or other related field required.

Work Status:

• Full-Time.

Supervisory Responsibility:

• 2 or more direct reports.

Travel:

• Up to 25% - travel to Commercial Banking offices as necessary; travel to customer meetings as required for initial underwriting and portfolio management.

Working Conditions:

• Conditions involve lifting no more than ten pounds, sitting most of the time, but may involve walking, moving, or standing for brief periods, and occasionally lifting and carrying articles like files, ledgers, folders, etc.

Disclaimer: This job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee. Nothing herein restricts management's right to assign or reassign duties and responsibilities to this job at any time. Woodforest is an Equal Opportunity Employer, including Disability and Veterans.