Senior Credit Officer

Senior Credit OfficerThis position will be responsible for evaluating and approving/declining credit requests for assigned lending units that exceed their signing authority. Responsibilities include monitoring the credit quality of assigned portfolios to help ensure that established risk parameters are being adhered to, ensuring compliance with all regulatory and credit policies of the Bank, providing assistance to lending officers in managing credit risk and assisting with the development of relationship managers, credit analysts and any other colleague involved in the evaluation of credit.What will you do?Evaluates and examines credit requests which exceed local authority in order to assess credit worthiness including loan quality, credit risk classification, loan structure, collateral analysis, pricing and adherence to Bank policies. Approves or declines credit requests within assigned authority. Analyzes and recommends approval/declination of credit requests which exceed assigned authority.Reviews established credit policies and procedures and suggests and implements changes when and where appropriate. Ensures that all loans comply with established policies and procedures.Periodically reviews the portfolios of Relationship Managers within assigned regions to ensure appropriate loan classification/risk trend. Monitors the quality of the loan portfolio and exposures. Brings concerns to the attention of the relationship manager and provides guidance in developing plans for appropriate action in order to ensure quality portfolio management.Actively participates in evaluating all criticized and classified credits and approves action plans intended to remedy troubled credit situations. Works with relationship managers to identify alternatives to resolve problem loan situations.Participates in Loan Review and Compliance exit reviews and ensures that corrective actions are taken to cure exceptions and to prevent reoccurrence. Reviews appropriate reports for assigned regions to monitor delinquencies, accrual exceptions, and overdrafts.Provides support for compliance with all applicable laws, regulations and administrative duties.Maintains a proactive commitment to established bank programs, such as CustomerFirst, Community Reinvestment Act (CRA) and Affirmative Action.Complies fully with all bank risk management, operational and credit policies and procedures as well as all regulatory requirements (e.g., Bank Secrecy Act, Know Your Client, Community Reinvestment Act, Fair Lending Practices, City National Code of Conduct, etc.)What do you need to succeed?Bachelor's Degree or equivalentSeven years of banking experience.15 years in Commercial lending10 experience in a credit environmentAdditional qualifications:Strong interpersonal skills with excellent credit, problem solving and decision quality skills.Strong analytical skills.Strong sense of urgency and ability to meet deadlines.Thorough knowledge of Bank business practices and ethics.May require specialized knowledge or experience in an assigned industry.Good negotiation skills.Good computer skills.Thorough knowledge of Bank credit products, policies, procedures and philosophy.General knowledge of overall Bank products.Strong verbal and written communication skillsWhat's in it for you?Compensation: Starting base salary: $170,000 - $280,000 per year. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.Benefits and Perks: At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start dateGenerous 401(k) company matching contributionCareer Development through Tuition Reimbursement and other internal upskilling and training resourcesValued Time Away benefits including vacation, sick and volunteer timeSpecialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programsCareer Mobility support from a dedicated recruitment teamColleague Resource Groups to support networking and community engagementAbout us: Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America's leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.Inclusion and Equal Opportunity Employment: City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law. It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.