VP, Credit Officer

Manages the Credit department including staff, credit projects and identifying process improvements and efficiencies, including development and communication of policies and procedures to ensure the overall quality of the Bank’s loan asset portfolio. Interviews, hires, orient, coaches, trains and evaluates staff. Collaborates with Human Resources on recruitment and retention strategies and employee relations. Selects and provides for the continuing development of staff to ensure effective succession planning. Performs and reviews analysis on credit requests, prepares and/or reviews proposals outlining loan terms, financial structure, borrower and industry analysis, and offers recommendations regarding credit worthiness to the appropriate approval authority. Ensures risk and mitigating factors are clearly discussed and policy exceptions are described, supported and reported. Facilitates loan reviews, provides risk rating recommendations, and ensures that financial statements in credit files remain current. Drafts management responses to applicable audits and regulatory exams for review/approval. Evaluates the loan portfolio and analyzes and developing trends. Provides support for the Allowance for Loan and Lease Loss Reserve (ALLL) and makes recommendations to executive management and/or the Board of Directors for monthly allocations to the Loan Loss Reserve. Ensures analysis of financial statements utilizing the Bank’s statement spreading software is performed accurately and when applicable. Manages the selection of appraisers and commercial appraisal review function, ensuring the appraiser meets the requirements of the assignment, as well as verifying the report is accurate and unbiased. Prepares Bank’s annual budget for the Credit department Assists in the preparation of monthly and quarterly reporting. Reviews delinquency reporting, providing recommendations to the Loan Quality Committee. Participates in several committees involved in the management of the Bank, including Risk Management and Loan Quality Committee. Position Specific Requirements Bachelor’s degree required with concentration in Business, Accounting or Finance preferred. Minimum seven years’ banking credit experience required. Minimum five years’ management experience required. Proficient working knowledge of credit, market research and financial statement analysis techniques required; demonstrated ability to write professional, comprehensive and easy to understand business reviews including financial models required. Ability to practically apply lending/credit mathematics principles/concepts, etc. required. Ability to adapt to changes in the work environment, manage competing demands and deal with frequent change, stress and/or unexpected events. Proficient use of computers and technology required (i.e. Internet, PCs, tablets, smartphones, MS Office, etc.); proficient working knowledge of financial spreading software. About Working at Eagle Bank We are a thriving, independent community bank, fully immersed in the evolution of a brand culture that is rooted in the heart of our organization. Together, we stand united in the knowledge that we are people who want to make a difference and be part of something bigger than ourselves. We do this through demonstrated: Passion and Drive Highly motivated professionals driven to succeed Shared Vision and Thinking Unwavering commitment to collaboration Focus and Performance We expect the highest performance level from ourselves and our coworkers, and we hold each other accountable in our pursuit of this expectation. We encourage and support continued learning to help us grow as individuals, personally and professionally. We foster and create opportunities for our continued success, recognizing and rewarding all those who make it possible. We’re looking for qualified candidates who are authentic, optimistic, respectful, and inspire belief to stand united with us as a valued member of the Eagle Bank team. #J-18808-Ljbffr Bankeagle