Job Abstract

The Credit Officer III has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for businesses and individuals. Based on the credit request and analysis of the business or individual, the Credit Officer provides the bank with an accurate, clear and concise written credit request (report of Credit Extended- RCE). The Credit Officer III will have the ability to work on the most complex credits. May ass... more detailsist and train junior credit officers/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
ESSENTIAL DUTIES AND RESPONSIBILITIES
include the following:Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job. Provide, present and promote The Citizens Experience to all external and internal customers. Review credit request/file for completeness. Spread financial statement and/or tax returns. Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE). Prepare an accurate, clear and concise RCE. If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments. Discuss credit requests with branch personnel and Credit Management Division. Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills. Other duties may be assigned. SUPERVISORY RESPONSIBILITIES This job has no supervisory responsibilities.
QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. EDUCATION and/or EXPERIENCE Bachelor's degree (B. A) from four year college or university; a minimum of ten years related experience and/or training; or equivalent combination of education and experience. A Master's Degree or equivalent is preferred. LANGUAGE SKILLS Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public. MATHEMATICAL SKILLS Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry. REASONING ABILITY Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.