Senior Credit Officer

American National Bank of Texas; Dallas (TX); On-site; USD 120,000 - 180,000; Full time

Job summary

American National Bank of Texas seeks a Senior Credit Officer to oversee credit risk, ensure policy compliance, and guide lending procedures. You will review and approve loan applications, manage a diverse commercial portfolio, and drive asset quality and timely resolutions.

You will mentor lenders, prepare large-credit reports, and participate in loan committee discussions to inform decision-making. Strong leadership and analytical skills are essential.

Qualifications

• Bachelor's degree or equivalent education/work experience.
• 10+ years of progressively responsible professional and supervisory work experience in lending related areas.
• Proficiency in analysis software and financial statement evaluation.

Responsibilities

• Review loan applications and analyze credit information to assess credit worthiness.
• Manage asset quality and perform asset reviews of large relationships and complex loans.
• Present loan recommendations to Loan Committee and issue approvals within limits.
• Mentor lenders and portfolio managers in lending policies and procedures.
• Develop asset resolution strategies, including loan restructures and modifications.

Skills

Excel

MS Word

Complex math

Written instructions

Education

Bachelor's degree or equivalent

Tools

Analysis software

Job description

Description

The Senior Credit Officer is managing and overseeing credit risk, ensuring compliance, and providing guidance on lending policies and procedures, while also reviewing and approving loan applications. Responsible for driving asset quality within the commercial portfolio.

• Reviews loan applications and analyzes credit information to assess customer's credit worthiness and makes decisions about credit requests pursuant to bank policy. Assigned to regions and larger/complex loans
• Manages the existing portfolio for asset quality to include asset reviews of large relationship, identifying problem loans, timely renewal of maturities, assisting in resolution of critical exceptions, assisting in managing covenant defaults
• Supports the market in business development efforts by participating in sales calls
• Prepares reports on large loan applications and presents these to Loan Committee, with recommendations; participates in Loan Committee decision making; issues loan approvals within defined limits
• Participates in the mentoring and development of lenders, relationship managers, portfolio managers, and analysts
• Provides advice and guidance to loan officers regarding loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations; may participate in training of loan officers and support lenders' adherence to Bank's lending policies and procedures
• Responsible for managing and resolving a portfolio of adversely classified and non-performing commercial loans and business lending relationships
• Develop and execute asset resolution strategies, including loan restructures and modifications; analyze borrower financials, cash flow, rent rolls and guarantor capacity to inform strategy
• Prepare internal criticized asset reports

Qualifications:

• Bachelor's degree or equivalent educational/work experience
• 10+ years of progressively responsible professional and supervisory work experience in one or a combination of business, C&I, ABL, commercial real estate, SBA and consumer lending; proficiency in analysis software

Skills:

• Working knowledge of Microsoft Excel and MS Word; basic keyboarding and calculator skills; must be able to do complex math and carry out complex written instructions
• Work may occasionally require more than 40 hours per week to perform the essential function of the job
• Office setting with lifting up to 30 lbs.

ANBTX strongly encourages candidates that are fluent in English and Spanish to apply. Jobs that specifically require candidates to be bilingual will be posted as a requirement.

Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws.For further information, please review the Know Your Rights notice from the Department of Labor.