INB Mobile Banking

Inter National Bank

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JOB SUMMARY

The position of Credit Review Officer is responsible for evaluating loan quality, operational and financial performance for clients with particular focus on their financial statements; including risk rating credits appropriately and accurately; monitoring for compliance with established policies and standards, as well as GAAP, banking laws, and regulatory requirements; assisting the SCRO in managing Credit Review staffs’ review of new and existing clients; maintains awareness of current economic and business trends; and assesses the impact of economic trends on credit portfolios; mentors and coaches credit analysts; assists in the development of credit review procedures; completing projects requested by the SCRO; participating as a nonvoting member on various lending committees (ELC, OLC); suggesting workout alternatives for problem credits.


ESSENTIAL DUTIES
The duties listed below may not include all responsibilities that the person in this role may be asked to perform. Incumbent may be required to perform other related duties as assigned.

1. Supervises Credit Review staff, providing leadership and direction.   
2. Assist the SCRO in reviewing the staff’s work and edits the documentation when needed.
3. Assist management in developing an understanding of the underlying causes of issues identified.
4. Build and sustain constructive proactive relationships with Lending/Production and Credit Review staff members.
5. Monitor compliance with the bank’s loan policy and procedures and provide management with recommendations for revisions to policy and/or procedures when appropriate. 
6. Communicates adherence to risk policies and processes.
7. Embraces change, acting as an advocate and role model and promoting a mindset of continuous improvement.
8. Provides support, leadership, and direction to the staff.
9. Performs a variety of tasks including projects as requested by Senior Credit Administration Officer.   Projects routinely require a wide degree of creativity and latitude. 
10. Gathers data from lenders, internal and outside sources; prepares spreadsheets, and analyzes financial information including financial statements and tax returns; contacts lenders for additional information and clarification of data.
11. Writes financial reviews and reports; makes recommendation on loan structures and terms to loan officers.
12. Monitors loans for compliance with bank policies and procedures, as well as US banking laws and regulations.
13. Monitors financial and credits exceptions and provides lending officers with a list of exceptions that require correction.  
14. Participates as a nonvoting member on various lending committees (ELC, OLC).  Provides guidance when requested.
15. Is familiar with a variety of the field's concepts, practices, and procedures.  Relies on extensive experience and judgment to plan and accomplish goals.
16. Continues to develop knowledge of financial industry; economy; market conditions; rates; vendors; competition; and laws, regulations, and regulatory requirements (bulletins, issuances, etc.).
17. Provides an independent risk rating in the loan presentations, which are separate from that of the loan officer.
18. Keeps commitments; Inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
19. Demonstrates knowledge of and adherence to EEO policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.  
20. Follows policies and procedures; completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the bank through outside activities.
21. Assists the commercial business banking area and the retail banking centers in the review and renewal of credit facilities; provides back-up support.
22. Decisions commercial business banking area and the retail banking centers loans within the loan authority defined in Exhibit 1.3 Lending Limits and Credit Approval Authorities.
23. Decisions consumer loans within the loan authority defined in Exhibit 1.3 Lending Limits and Credit Approval Authorities.


QUALIFICATIONS

These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.

• Bachelor’s degree or equivalent from an accredited college; Concentration in accounting and / or finance preferred.
• 5-8 years of experience in the field or in a related area and have some specialized training on credit review activities.
• RMA CRC certification is preferred.
• Advanced experience, knowledge and training in financial statement and tax return analysis typically resulting from a combination of education in accounting, financial and/or credit analysis or related areas.
• Ability to read, analyze and interpret general business periodicals, professional journals, and technical procedures.
• Ability to effectively present information and respond to questions from managers, customers, and the general public.
• Basic skills in word processing and spreadsheet software.
• Basic typing skills to meet production needs of the position.
• Advanced math skills; calculate interest, commissions, proportions, and percentages; balance accounts; add, subtract, multiply and divide in all units of measure, using whole numbers, common fractions and decimals; locate routine mathematical errors; compute rate, ratio and percent, including the drafting and interpretation of bar graphs.  Is able to calculate and understands financial figures and ratios (ex. DSC, DTI, NI, Cash flow, adjusted cash flow).  
• Understands personal and commercial financial statements, including balance sheets, income statements, tax returns and the various schedules, cash flow statements; and understands the difference between company compiled, CPA compiled, and CPA audited financial statements.  
• Well versed in banking laws and regulatory requirements.  Is able to simplify complex legalities, bulletins, issuances, etc into understandable terms.
• Effective oral, written and interpersonal communication skills with the ability to apply common sense to carry out instructions and instruct others, interpret documents, understand procedures, write reports and correspondence, speak clearly to customers and employees.
• Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
• Excellent organizational and time management skills.
• Ability to work with minimal supervision while performing duties.


EOE/M/F/D/V

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Why Work at INB?

Our People/Our Culture

At INB, we have a committed professional team that share a passion for service. We are a team that values relationships and work together for the greater good of our customers. We strive to follow our motto "One Team. One Bank. One Company."

Our Benefits

  • 401(k) Plan Contribution Match
  • Health & Dental Insurance
  • Disability Insurance
  • Bonus & Incentive Pay Programs
  • Life Insurance
  • Vacation and sick paid leave

Our Programs

  • Health & Wellness Programs
  • Training & Career Development Programs
  • Academic Partnerships
  • Mentorship Program
  • Internship Program

More Perks

  • Employee Advisory Committee
  • Active Community Involvement

For additional information, please call the Human Resources department at (956) 664-8485.