Credit Specialist II

Timberlinebank; Saugeen Shores; On-site; CAD 51,000 - 69,000; Full time

Job summary

An established industry player is seeking a Credit Specialist II to join their dynamic team. This full-time position focuses on assessing creditworthiness and managing loan applications, requiring strong analytical and communication skills. The ideal candidate will thrive in a collaborative environment, working closely with senior management and lenders to ensure compliance and prudent lending practices. This role offers the chance to contribute to the financial well-being of the community while enjoying opportunities for personal and professional growth. Join a team that values exceeding customer expectations and empowering its members.

Benefits

Health Insurance

Vision Insurance

Dental Insurance

401K Plan

Paid Holidays

Paid Time Off

Qualifications

• Proficient in financial analysis and credit risk assessment.
• Ability to interpret complex financial statements.
• Strong attention to detail and organizational skills.

Responsibilities

• Assess creditworthiness of individuals and businesses applying for loans.
• Prepare financial reports and collaborate with lenders.
• Identify credit risks and provide mentorship to junior staff.

Skills

Financial Analysis

Analytical Skills

Communication Skills

Problem-Solving Skills

Time Management

Education

Bachelor's degree in finance, accounting, economics, or a related field

Tools

Abrigo (loan underwriting system)

Job description

Job Title: Credit Specialist II
Department: Administration
Reports To: Chief Credit Officer
Status: Non-Exempt
Salary Range: $51,000 to $69,000 ($24.51 /hour - $33.17 /hour)

Who We Are
At Timberline Bank, our people are our most valuable asset. We seek qualified employees who enjoy people, are innovative, and who are eager to learn. We, in return, provide opportunities for personal advancement and professional growth. The driving force behind our dedication to providing a "Better, Faster, Easier. -Always." experience is the Timberline Team. From the moment you enter the building, we greet you as a person, not an account number-our belief in the value of exceeding customers' high expectations is what makes Timberline Bank a bank here for our community. Our commitment has been and always will be to provide high-quality personalized customer service. With the Timberline personal touch, the level of customer support is unparalleled. We want to support you and your financial well-being, whether through your personal or commercial needs. Each customer contributes to the success of our small business. TO US, IT IS PERSONAL.

What We Value
At Timberline Bank, the core of our culture is in the following values. We believe heavily in fulfilling each one of these to the highest degree. Our culture is the foundation of who we are as a team, and as a business.

1. Exceeding Customers' High Expectations
2. Empowering a Dedicated Team
3. Having Fun While Winning
4. Passionate About our Communities
5. Value Added Resource for our Customers (Trusted Advisor)

Position Summary
This position is a full time non-exempt, non-officer position that requires excellent customer service skills and an ability to multi-task and work well with multiple teams. This position will assess the creditworthiness of individuals and/or businesses applying for loans with Timberline Bank. Building upon the foundation of a Credit Specialist I, this position involves more complex analysis, greater decision-making authority, and additional responsibilities in portfolio management and risk assessment. This position will collaborate closely with senior management and lenders to ensure prudent lending practices, regulatory compliance, and credit analysis.

Essential Duties and Responsibilities
Must be proficient and be able to perform all essential duties and responsibilities of the Credit Specialist I. In addition, this position will:

• Be able to identify credit risks and/or credit deterioration that can be presented for discussion with Consumer Lenders, Business Bankers,
  and Chief Credit Officer.
• Prepare financial reports for, and collaborate with, Consumer Lenders and Business Bankers to prepare loan request presentations and
  structure loan terms and conditions for approval.
• Utilize advanced techniques to critique and analyze borrower's cash flow projections and affects of market conditions on the borrower's
  financial condition and potential stress-testing scenarios.
• This person will be well-versed in Timberline Bank's Loan Policy, Abrigo (loan underwriting system), and other programs utilized to
  complete their duties, while providing guidance and mentorship to Credit Specialist I's on policies and procedures.
• This person should have a strong understanding of consumer compliance rules and regulations as set forth by the regulators and
  Timberline Bank and the ability to work with our subject-matter experts when complicated issues present themselves.
• Perform job functions in compliance with all company policies and federal and state rules and regulations as applicable to the position.
• Under the direction of the Chief Credit Officer and the Chief Risk Officer, draft and maintain appropriate internal controls and policies.
• Actively participate in training sessions and other professional development activities to enhance their own job knowledge and skills, and
  those of a Credit Specialist I.
• Cross train with the construction draws team to process and approve consumer and commercial draw requests.
• Detect suspicious and fraudulent loan applications.
• Lead or assist with projects that consist primarily of credit administration issues.
• Update Internal Controls and prepare and present appropriate training.
• Duties may be expanded on as experience and professional goals are achieved.

Required Knowledge and Expertise

• Bachelor's degree in finance, accounting, economics, or a related field is preferred but not required.
• Obtain/Maintain Credit Analyst Certification.
• Obtain and/or maintain Consumer Compliance Certification.
• Demonstrated proficiency in financial analysis, including the ability to interpret complex financial statements and assess credit risk.
• Strong analytical skills with the ability to interpret market, project, and financial data accurately.
• Must have strong verbal and written communication, organizational, and time management skills.
• Must be organized and have great attention to detail.
• Maintain strict confidentiality.
• Ability to multitask, manage priorities, and anticipate potential problems before they arise.
• Strong problem-solving skills and ability to work effectively independently and in a team environment to collaborate with cross-functional teams in a fast-paced work environment.

Key Competencies

• Be Thorough: Ensure that work is completed thoroughly and correctly; prepare carefully for meetings and presentations; and follow up with others to ensure that agreements and commitments have been fulfilled.
• Achieve Results: Complete audits on a timely basis and based on an understanding of the priorities.
• Establish and Maintain Personal Credibility: Consistently model behavior for clients and management that is perceived as responsible, reliable, and ethical.
• Communicate Effectively: Express oneself clearly in interactions with others, both verbally and in writing. Notice, interpret, and anticipate client needs and concerns. Ensure that critical information is shared with those who should be kept informed.
• Act with Confidence: Understand the importance of rules and requirements and be poised and self-assured when expressing an independent opinion.
• Leverage Technical Expertise: Use a general understanding of bank policies and procedures to assist in identifying risk and recommending best-practices. Relationship Building - Ability to effectively build relationships with vendors, management and staff.
• Time Management: Ability to effectively utilize available time for the completion of necessary job tasks.
• Work Under Pressure: Ability to complete assigned tasks under stressful situations.

**Pursuant to the Colorado Equal Pay for Equal Work Act and Equal Pay Transparency Rules, the salary range above represents the low and high end of the salary range for this position. Actual salaries will vary and may be above or below the range based on various factors including but not limited to location, experience, and performance. The range listed is just one component of the total compensation package for employees. Incentives based on Timberline Team goals may also be offered. In addition, Timberline Bank provides a variety of benefits to full time employees, including health insurance coverage, vision insurance, dental insurance, life and disability coverage, 401K plan, paid holidays and paid time off.

Equal Employer Opportunity Statement
Timberline Bank prohibits discrimination and harassment of any type without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state, or local laws.

All job requirements in the job description provided indicate the minimum level of knowledge, skills, and/or abilities deemed necessary to perform the job competently. Job descriptions are an overview of the duties, responsibilities, and requirements of the position. Employees may be required to perform other job-related assignments as requested.

OUR COMPANY ADHERES TO A POLICY OF EMPLOYMENT-AT-WILL, WHICH ALLOWS EITHER PARTY TO TERMINATE THE EMPLOYMENT RELATIONSHIP AT ANY TIME, FOR ANY REASON, WITH OR WITHOUT CAUSE OR NOTICE.