This job was posted by https://idahoworks.gov : For more information, please see: https://idahoworks.gov/jobs/2578555

Overview

We are seeking a motivated and detail-oriented Senior Credit Officer/Credit Administrator responsible for providing support and direction to loan officers. In this role, you will be accountable for the accurate reporting of credit risks and allowance needs to the Senior Loan Committee and the Bank\'s Board of Directors. This role is also responsible for the administration of the Bank\'s problem loans. Your expertise will ensure that the credit policy and procedures of the Bank are adhered to in an effort to protect the Bank from unforeseen risks. This position offers an opportunity to leverage your analytical skills, industry knowledge, and leadership abilities to make impactful decisions that drive our organization forward.

Responsibilities

Chairman of the Bank\'s Senior Loan Committee.

Directs all activities associated with the Banks participation loan

portfolio to ensure that loans are granted, reviewed and maintained in accordance with Banks policy.

Responsible for the support and direction of the

classified/criticized loans.

Prepare and review the Allowance for Loan and Lease Loss Reserve in

accordance with FASB rules and make recommendations to the Board of Directors for quarterly allocations as needed.

Review loans granted for credit risks and adherence to the Banks

policy and procedure. Ensure that the credit risk has been minimized to the Bank in compliance with rules, regulations and safety & soundness standards.

Prepare and discuss all loan related reports to the Board of

Directors. Reports including, but not limited to, concentration of credit, exceptions, OREO, participation, ALLL, TDR and classified credits.

Responsible for administering, oversight, and direction of the Banks

loan portfolio and lending staff. Provide support and guidance to lending staff as needed.

Administer credit staff employee evaluations. Branch Managers will

be evaluated by SCO and President. Credit Officers will be evaluated by SCO and Branch Manager.

Develop, maintain, and train all credit staff on stress testing

criteria as needed.

Recognize and assist in the solution to complex collection problems

as needed.

Consult with Bank legal counsel regarding credit issues and

collection efforts as needed.

Responsible for implementing credit procedures to ensure proper

internal controls are in place to minimize credit risks. Direct all related training on loan policy, procedures, and regulations.

Review and maintain Bank loan policy and offer suggestions to Senior

Loan Committee for enhancements to loan policy, corrections of procedures, and regulatory guidance and updates.

Participate in long-range planning.

Serves on a number of committees to ensure effective interface among

all Bank departments and offices with complete communication of overall policies, programs, projects, objectives and goals.

Performs related duties as assigned.

Farmers Bank

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Senior Credit Officer/Credit Administator