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Regional Credit Officer

Company: First Farmers & Merc
Location: Columbia
Posted on: November 26, 2022

Job Description:

  • Date: July 15, 2022
  • Job Location: First Farmers and Merchants Bank, 816 South Garden Street, Columbia, TN 38401
  • Education Level: Bachelor's Degree
  • Job Type: Full Time
  • VEVRAA Federal Contractor
  • Request Priority Referral of Protected Veterans
  • EOE Females/Minorities/Protected Veterans/Disabled
  • Robert C. Matthews, email: Role: To assist regional Relationship Managers in review, structuring, underwriting and approval of loan requests within the bank's lending policies and procedures; to ensure that the bank's ---commercial loan portfolio complies with policy, laws, and regulations. Essential Functions & Responsibilities: E25%Assists regional Relationship Managers in client interviews, credit discussions and structuring.E15%Works with Credit Analysts with the review and concurrence on CAMs from the region.E15%Approves credits within the established loan authorities.E10%Participates in Credit Committee, Executive Committee and outside approvals.E10%Assists the Chief Credit Officer with reporting duties.E10%Works with the Chief Credit Officer in the updating of the Loan Policy.E5%Works with the Chief Credit Officer in training of Relationship Managers.E5%Assists with regulatory examinations, loan reviews and other audits.N5%Performs other duties as assigned. Performance Measurements: 1.To comply with the letter and with the spirit of the bank's Code of Business Conduct and Ethics.2.To maintain the confidentiality of customer and any other sensitive information.3.To meet loan portfolio goals with regard to growth, income, and quality.4.To ensure that lending operations are in accordance with established bank policy and are legally compliant.5.To maintain a professional, courteous, and friendly atmosphere for customers and co-workers.6.To acquire a knowledge of regulations and bank procedures, particularly those involving the lending function; to comply with the provisions of the Bank Secrecy Act and other laws and regulations.7.To develop and maintain a positive and productive working relationship with co-workers.8.To maintain a professional work environment and businesslike appearance at all times.9.To complete required training and undertake additional training as needed to increase job knowledge and maximize productivity. Knowledge and Skills: ExperienceTen years to fifteen years of similar or related experience. Education(1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g. information technology certifications in lieu of a degree). Interpersonal SkillsWork involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others. Other SkillsMust have experience in analyzing business financial statements and assessing the viability of businesses; must have excellent communication and PR skills; ability to use related software required. Physical RequirementsThe person in this position needs to frequently move about inside the office to interact with associates and access office machinery and file cabinets. The person in the position constantly operates a computer and other office productivity machinery, such as a calculator, photocopier, and printer. Work EnvironmentThis job operates in a professional office environment. This role routinely uses standard office equipment such as calculators, computers, phones, photocopier, filing cabinets and fax machines. PI193604649

Keywords: First Farmers & Merc, Murfreesboro , Regional Credit Officer, Other , Columbia, Tennessee

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