Job Information
First Commonwealth Bank Senior Credit Officer in Hollidaysburg, Pennsylvania
The Senior Credit Officer (SCO) is generally responsible for supporting our "Statement of Credit Risk Appetite" and Loan Policy and Procedures. The Senior Credit Officer supports the maintenance and review of lending policies and procedures consistent with guidelines established by FCB. Provide credit support services to all commercial business lines, including C&I, Sponsor Finance, Dealer Floor Plan, SBA and Commercial Real Estate, as well as credit support to Consumer, Indirect, Business Solutions, Credit Cards, Mortgage, Treasury Management and Equipment Finance loans and leases. Essential Job Responsibilities 1. Assists with the administration of the adjudication and loan portfolio management for each business line to ensure a proper mix of loan types, maximize yield, maintain quality control, and minimize losses. 2. Informs the Chief Credit Officer and Deputy Chief Credit Officer, of any material considerations affecting the loan portfolio, loan policy, and individual loan transactions. 3. Advises and guides lending officers and corporate leadership. Assists Chief Credit Officer, Deputy Chief Credit Officer, and Senior Credit Officers in assessing the overall soundness of the loan portfolio, advising on policy questions, business development and staff requirements as they relate to the lending function. a. Supports a Region as assigned. b. Supports loan officers on more complex and larger loans across footprint c. Consults with and supports loan officers seeking to meet the needs of larger, more critical borrowers. d. Assists in the training of loan officers, disseminates loan policies and procedures, and ensures that deviations from policy are corrected. e. Works to ensure loan services are provided to loan officers, including credit analysis, evaluation of financial statements, credit investigations, and collection of past due loans. 4. Works with the Chief Credit Officer, Deputy Chief Credit Officer, and Senior Credit Officers to set strategy for problem loan accounts, monitors progress on workout plans and reaches resolution. 5. Recommends actions to be taken on loans to assign regulatory classification, set loss reserves and determine accrual status. 6. Ensures Watch List properly captures all problem credits. Works with Finance staff to ensure provision expenses and credit costs are recognized in the appropriate accounting periods. 7. Personally handles large, complex problem accounts as directed by the C To view the full job description please use the link below. https://www.aplitrak.com/?adid=YmJnZW5lcmljLjE0OTY4LjEwODY1QGZjYmFua2luZ2NvbXAuYXBsaXRyYWsuY29t