Centralized Commercial Credit Officer II

🔥 3 minutes ago

🏛️ District of Columbia, North Carolina, +2 more states – Remote

🏛️ District of Columbia – Remote 🌲 North Carolina – Remote 🦀 Maryland – Remote ⚔️ Virginia – Remote

💵 $90.2k - $150.6k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

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Atlantic Union Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1902

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Atlantic Union Bank is a financial institution based in Virginia, offering a comprehensive suite of banking services including checking accounts, savings accounts, personal and business loans, credit cards, and wealth management solutions. With roots tracing back to 1902, the bank is committed to providing fair financial solutions and honest advice, aiming to create opportunities for families and business owners within the community. Through both online and physical branches, Atlantic Union Bank strives to enhance the banking experience for its customers and supports local initiatives.

📋 Description

• Responsible for loan approvals on business purpose and commercial real estate loans within line of business parameters. • Interact closely with others in Credit Administration, as well as the revenue producing lines of business. • Make credit decisions that are consistent with the corporate credit culture and provide timely responses on complete loan request packages. • Reviews and determines appropriate risk assessment of business loan requests including the appropriate level of analysis of borrower's business, management, financial condition, and operations. • Evaluates financial statements and prepares independent written credit evaluations on business loans and relationships. • Apply experience and judgment to evaluate the level of risk within a request and structure the loan terms to meet the borrower’s needs while adhering to AUB’s risk and credit policies. • Collaborate with sales and credit partners to meet deadlines on business loan requests. • Accountable for and manages assigned portfolio by monitoring performance and trends, proactively defining client credit solutions, identifying issues and following through for remediation. • Provides guidance/mentoring to Relationship Managers on risk management issues and/or loan structure as requested or otherwise deemed necessary or appropriate.

🎯 Requirements

• Bachelor's degree in business, finance or related field. • Five or more years’ experience in business banking/commercial banking and/or a credit administration position that included underwriting and assessment of credit requests. • Prior loan approval authority highly preferred. • Results oriented, decisive. • Confident in knowledge and experience; able to clearly articulate loan approvals and declines. • Accuracy, and attention to detail a must. • Ability to handle confidential information with the utmost discretion. • Ability to work independently as well as within a team environment. • Strong interpersonal, communication and listening skills. • Strong consultative skills including the ability to ask critical questions to identify opportunities. • PC proficiency and experience with word processing and spreadsheet software, including the use of system and user generated formulas, macros, charts, and tables. • Working knowledge of loan documentation, i.e. documents needed to perfect a lien on various collateral types; familiarity with documents signed; identifying related risks and working with Legal as deemed appropriate.

🏖️ Benefits

• General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits