Job DescriptionWho you are:As a
Senior Credit Risk Officer, you are our key support. You will be responsible for the review and approval of loans and credit limits, under little oversight, within various product areas for commercial banking relationships. You will evaluate the structure of the loan, ensuring an appropriate product type and level of credit is extended to the borrower with a credit approval limit of up to $20 million. You will also verify that proposed loan packages meet organization credit standards, reviewing for completion and accuracy. More than that, this role is about building relationships and doing so with integrity, caring, and excellence in mind.
What you'll do:- Monitor various lending teams, groups of lending teams, and lines of business portfolios for credit risk issues, including but not limited to: exception reporting, past dues, loan agreement compliance, trend analysis, and identification of emerging risks
- Review and approve credit requests, modifications, amendments and waivers for commercial banking relationships; credit requests range across various product areas, including but not limited to: loans, treasury management, global trader services, and other exposures
- Expected to ensure the efficient delivery of credit risk to promote an excellent customer experience both internally and externally
- May act as a source of knowledge to assist in identifying relevant content for credit education programs
- Provide guidance and feedback on how proposed loan packages can be improved
- Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes
What you'll need:- Bachelor's degree, preferably in Finance or Accounting
- 10+ years of banking experience, with completion of a formal credit training program or equivalent knowledge of credit analysis and secured lending
- Demonstrated experience in successfully managing loan portfolios and approving credit risks through economic cycles
- Excellent written and verbal communication skills
- Proficient in Microsoft computer applications
Additional Preferred Skills:- 15+ years of banking experience with time spent as a relationship manager
Our Benefits:At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:
- Medical, dental, vision, long-term disability, and life insurance
- 401(k) matching
- Generous holiday and paid time off schedule
- Tuition reimbursement
- Extensive health and wellness programs, including our Employee Assistance Program
- Referral bonus program + more!
