The Senior Credit Officer will be responsible for the general direction of the Georgia's Own lending activities from a credit risk perspective, monitoring asset quality, and developing and maintaining credit policies and frameworks. The role will also involve chairing the Commercial Credit Risk Committee and providing approval for credit transactions and relationships within defined Board delegated approval thresholds.
Requirements
- Develop and maintain sound credit policies and the administration of systems, procedures and controls.
- Monitor and manage credit and concentration limits, underwriting quality and assignment of risk ratings.
- Develop, operate, and continually improve credit risk frameworks, credit policies, credit risk appetite, risk-grading platform, and loan approval processes.
- Assist with external credit reviews and regulatory examinations of the lending portfolios.
- Maintain an acceptable asset quality rating.
- Chair the Commercial Credit Risk Committee and provide approval for credit transactions and relationships within defined Board delegated approval thresholds.
- Support key stakeholders in generating high quality loans and assist in the workout of significant problem loans.
- Evaluate and provide strategic counsel relative to new market opportunities and potential acquisitions.
- Participate in all assigned committee meetings.
- Review month end non-accrual and delinquent reports and supporting documentation for determination of collection efforts and loss potential.
- Participate in or actively lead special projects pertaining to credit and other company-wide initiatives.
- Work closely with Executive management on strategic issues and direction.
- Comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control, NCUA and GADBF law and regulations.
- Responsible for administration and adherence to Responsibility Center budget.
- Manage commercial workout efforts
- Participate in all quarterly Audit Committee Meetings and when assigned, monthly Board meetings
Benefits
- Flexible hybrid work arrangement
- Remote work options
- Seamless productivity with necessary tools and technology
- Opportunities for career growth and development
