Credit Officer, CRE

divh2Credit Manager/h2pLocation: 4599 Cemetery Road, Hilliard, OH 43026/ppAdditional Locations Include:/pp491 North Cleveland-Massillon Road, Akron, OH 44333/pp100 Corporate Center Drive Suite 200, Camp Hill, PA 17011/pp358 N Shore Drive, Pittsburgh, PA 15212/pp800 Philadelphia Street, Indiana, PA 15701/pp205 Granite Run Drive, Lancaster, PA 17601/ppHours: Monday - Friday 8AM-5PM (Additional hours as necessary to meet the objectives of the department)/ppFunction: Manages the credit process consistent with corporate and credit policy and serves as a central point in deciding credit exposure for new and existing relationships within an assigned credit profile and vertical (CRE or CI)./ppDuties and Responsibilities:/pulliReviews, underwrites and makes decisions on loan requests within stated lending authority; involve next higher level authority level when deal size or complexity warrants./liliNew Credit Authority: Up to $5.0MM or in accordance with the Delegated Credit Authority Grid/liliMaintains credit quality standards for the assigned adhering to corporate policies and the banks credit culture./liliResponds promptly to credit requests to determine feasibility and nature of analysis to be conducted./liliAssumes responsibility for coaching, mentoring, training and guidelines to underwriters and assigned deal teams./liliSupports assigned deal teams in the structuring and delivering of credit products to meet client needs./liliWorks with commercial bankers and underwriters to manage the analysis and documentation to produce a focused, concise underwriting package. Follow deal from initial request through final documentation./liliEnsures compliance with credit policy and appropriate reporting./liliEnsures strong credit culture as well as an effective and efficient approval process./liliBalances a strong asset quality focus while supporting a strong business development plan./liliActs as a highly visible customer contact working as a member of the vertical management team in relationship banking model./liliUnderstands, underwrites and manages the portfolio in accordance with the regional and corporate risk profile./liliIdentifies critical issues and proposes alternative structures and financing solutions./liliMeets with client or prospect to clear any conditions of approval or unresolved issues. Call activity would promote new business due diligence, selling the client and addressing deteriorating situations./liliDemonstrates credit judgment, size and scope of assigned credit portfolio to determine level of credit risk exposure that will be assigned on any given relationship./liliDiscusses changes with the commercial banker to resolve any conflicts between the clients needs and the banks structure as needed./liliIn collaboration with the Senior Credit Officer, establishes and executes monthly and quarterly reporting of vertical portfolio metrics concentrating on credit risk management./liliIn collaboration with the Senior Credit Officer, helps model, project and track actual versus potential charge-offs, NPLs, criticized and classified assets and overall credit quality of the assigned vertical for performance measurement./liliProvides technical advice and assistance to relationship managers in the evaluations and structuring or restructuring of commercial credits within the portfolio./liliEnsures satisfaction of compliance and regulatory related issues./liliParticipates and reviews all criticized and classified assets as assigned and participates in the quarterly Criticized Asset meeting./liliParticipates in Senior Loan Committee./liliPrepares presentations and participates in management or committee meetings as needed./liliSolicits, with vertical management, new business opportunities and participates in community or other services/activities./liliMaintains a good working relationship with all bank employees. Demonstrates the ability to work independently. Works as a team player to contribute to the success of the department and in turn the organization./liliAssumes additional duties and responsibilities as assigned./li/ulpEducation: Requires a four-year degree or equivalent./ppExperience: More than ten years general experience, five to ten years of specialized experience preferred in commercial banking, credit underwriting. Has a working knowledge of loan documentation, various collateral perfection requirements, including security agreements, UCC, mortgages./ppPhysical Demands: This work can be performed at multiple locations. Operates a keypad device 80-90% and electronic equipment 10-20% of the day. Traveling 20-30%, overnight stays 0-10%. Reaching above the shoulders bending and twisting 0-10%, standing 0-10%, sitting 80-90%, walking 0-10% of the day. Primary parts of the body involved include fingers, thumb, hand, wrist(s), elbows, legs/feet. This work can be performed with reasonable accommodations request./ppEqual Opportunity Employer/Protected Veterans/Individuals with Disabilities/ppThe contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractors legal duty to furnish information. 41 CFR 60-1.35(c)/ppSalary Range: $75,000.00 - $184,800.00/p/div