Credit Officer III

SUMMARY 

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 assist 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.

PHYSICAL DEMANDS  

The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the associate is regularly required to sit and talk or hear.  The associate frequently is required to use hands to finger, handle, or feel.  The associate is occasionally required to walk and reach with hands and arms.  The associate must occasionally lift and/or move up to 10 pounds.  Specific vision abilities required by this job include close vision.

WORK ENVIRONMENT  

The work environment characteristics described here are representative of those an associate encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.