Regional Credit Officer

First National Bank; Harrisburg (Dauphin County); On-site; USD 75,000 - 115,000; Full time

Job summary

An established industry player is seeking a Regional Credit Officer to lead and oversee lending operations in a defined territory. This pivotal role involves managing relationships, ensuring compliance with banking regulations, and providing underwriting support. The ideal candidate will have extensive experience in banking, strong analytical skills, and the ability to mentor a team. Join a forward-thinking organization committed to excellence and compliance, where your leadership can make a significant impact on the business and its clients. This is a fantastic opportunity for seasoned professionals looking to take their career to the next level.

Qualifications

• 10+ years of experience in banking or finance.
• Strong knowledge of banking regulatory and compliance issues.

Responsibilities

• Oversee lending territory and maintain profitable business relationships.
• Provide loan underwriting guidance and support for assigned region.
• Mentor and support lending team and credit analysts.

Skills

Management Skills

Communication Skills

Organizational Skills

Analytical Skills

Interpersonal Skills

Customer Service Skills

MS Word

MS Excel

MS PowerPoint

Education

Bachelor's Degree

MBA (preferred)

Tools

Personal Computer

Job-related Software

Job description

Primary Office Location:101 N 2nd Street. Harrisburg, Pennsylvania. 17101.Join our team. Make a difference - for us and for your future.

Position Title: Regional Credit Officer
Business Unit: Credit
Reports To: Senior Credit Officer

Position Overview:
This position is primarily responsible for the oversight and direction of an entire assigned lending territory including origination, development and maintenance of profitable business relationships, developing, implementing, interpreting and maintaining lending policies and procedures and ensuring all lending programs comply with federal and state regulations as well as Bank policy. The incumbent is part of the senior management team and participates in the Bank's overall management and planning.

Primary Responsibilities:
Provides loan underwriting and structuring guidance and support for an assigned lending region.

Reviews underwriting requests for compliance with Bank policy and regulatory requirements.

Provides credit approval for requests within defined lending authority that meet the Bank's underwriting standards and lending objectives.

Supports the Bank's established lending goals while maintaining desired asset quality levels.

Assists with the mentoring, guidance and support of assigned lending team. Assists and mentors credit analysts as needed with difficult credit underwriting issues. Assists lending staff in identifying appropriate risk ratings. Assist in managing criticized assets.

Monitors loan exception items for assigned regions and work with lending team to resolve. Monitors regional credit quality issues such as delinquency, etc.

Participates as a member of SACC for respective regional credits.

Assists with review, analysis and integration of acquisition opportunities.

Performs other related duties and projects as assigned.

All employees have the responsibility and the accountability to serve as risk managers for their businesses by understanding, reporting, responding to, managing and monitoring the risk they encounter daily as required by F.N.B. Corporation's risk management program. F.N.B. Corporation is committed to achieving superior levels of compliance by adhering to regulatory laws and guidelines. Compliance with regulatory laws and company procedures is a required component of all position descriptions.

Minimum Education:
BA or BS

Minimum Years Experience:
10

Special Skills:
Excellent management skills
Excellent communication skills, both written and verbal
Excellent organizational, analytical and interpersonal skills
Excellent customer service skills
Ability to use a personal computer and job-related software
MS Word - Basic Level
MS Excel - Intermediate Level
MS PowerPoint - Basic Level
MBA preferred. Experience in banking, finance or a related field. Knowledge of banking regulatory and compliance issues preferred

Special Licenses and Certificates:
N/A

Physical Requirements:
N/A

Equal Employment Opportunity (EEO):

It is the policy of FNB not to discriminate against any employee or applicant for employment because of his or her race, color, religion, sex, sexual orientation, gender identity, national origin, disability status, or status as a protected veteran. FNB provides all applicants and employees a discrimination and harassment free workplace.