SCOPE:

The Credit Specialist position will report to the Vice President/Business Banker.  There are three primary responsibilities to this position.  First, this position will serve as the loan analyst for the commercial department and provide support for SSBT’s Business Bankers.  This will include loan analysis and preparing the loan presentations for credit committee.  Second, this position will help control the quality of the portfolio through accurate risk rating and periodic file review.  Third, this position will help adhere to policy and assist with implementation of procedures for commercial lending.  Fourth, this position will various aspects of loan servicing including new loan activity, controlling past dues and loan file exceptions and generally controlling the quality of own loan portfolio

ACCOUNTABILITIES:

Loan Analysis: 

• Act as the commercial loan analyst and/or underwriter.  The responsibilities include functions such as; risk rating, collateral, exam liaison, loan loss reserve calculation, watch list and cash flow spreads.
• Perform the functions in the loan analysis software for all loans within the bank’s set criteria. This will help the bank determine cash flows and forecasts for loan customers and prospects.
• Responsible for loan review. Loan review includes examining files for existing loans to make certain they meet the bank’s credit standards and documentation requirements.
• Help prepare the loan presentation for credit committee. This includes the front page worksheet for all new loans.
• Directly involved with liaison with external credit examiners.
• Help write commercial procedures to complement policy
• Prepare packages to submit to SBA for approval and knowing the different programs they offer.

Loan Review and Control: 

• Periodically review commercial, consumer and real estate loans for documentation, collateral and compliance.
• Assist with managing OREO properties as they may occur from time to time.

Loan Policy: 

• This position will help monitor compliance within the loan policy.  This may include lending limits, types of loans and collateral.
• Loan policy will need to be periodically reviewed and approved through management by the board of directors

Other: 

• This person will represent the bank in the community, and be involved in community and civic functions as a representative of the bank.
• Fulfill compliance requirements as directed by the bank loan policy and other pertinent policies.
• As part of the overall bank team, this position may be requested to assist in the support of other bank activities.

COMPETENCIES:

Adaptability:

• Able to adjust quickly to different work situations; remain composed under pressure and in stressful situations.

Analytical:

• Regard for important details to assure accuracy in every transaction performed; detect errors; follow through on corrections and details.
• Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures.

Customer Orientation:

• Respond sensitively to the needs and priorities of the customer; recognize and take appropriate action to meet their needs; establish an effective working relationship with customers; personal attention to promote individual customer satisfaction, public perception, and reputation of the organization.

• Takes advantage of opportunities to refer the services offered by the organization. Promotes the company’s image of a supportive corporate citizen within the community.

Commercial Lending and Analysis:

• Must understand commercial lending and loan analysis in a community bank environment. This includes loan loss calculations and various calculations needed to determine the viability of a specific loan.

Co-Worker Relationships:

• Must be able to cooperatively and respectfully interact with co-workers to promote an effective, productive team. Sets a positive example for other co-workers.
• Promotes teamwork from one work unit to another, recognizing the necessity of interdepartmental cooperation and the importance of the contributions of others for the successful achievement of the organization’s goals and objectives. Values and builds effective relationships across all functions. Live the Purpose, Partners, Values and Team Promises.

 Oral/Written Communication:

• The ability to express thoughts and ideas in a clear and concise manner, both orally and in written form to a variety of audiences.
• Pursues training and development opportunities.

Problem Solving:

• Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in-group problem solving situations.

Professional Conduct:

• Must be able to conduct oneself in a professional manner that promotes trust in the individual and the organization.
• Fiduciary responsibility for the safekeeping and management of valuable assets and highly confidential, sensitive information, which requires ethics and professionalism beyond reproach.

Project Management:

• Completes projects on time and budget.
• Deadlines are met and customer services are expediently delivered.

Time Management:

• Ability to effectively manage one’s time to complete work according to established deadlines. The ability to prioritize tasks to make the best use of time for high priority tasks.