Regional Credit Officer

At Coastal States Bank (CSB), we are Local. And Proud Of It. We are committed to the relationships we build, have a proven track record of success and share a passion for serving our clients and communities.

• 401(k) matching
• Dental insurance
• Dependent care reimbursement
• Disability insurance
• Flexible spending account
• Health savings account
• Life insurance
• Medical insurance
• Paid holidays
• Paid time off
• Paid parental leave
• Prescription drug insurance
• Vision insurance
• Wellness program

The Regional Credit Officer plays an important role in coordinating day to day lending activities with Relationship Managers and the Credit Department of the bank. This role will be responsible for analyzing financials, understanding client performance, client creditworthiness and the risk involved in extending safe/prudent credit to new & existing clients.

The Regional Credit Officer is responsible for overseeing the bank's credit risk management function within the region. This role ensures compliance with lending laws and internal policies while advising senior management and local lending staff on credit risk. This position leads compliance, audit, and regulatory relations, manages loan administration, and is accountable for the credit granting process, aiming to optimize loan sales and credit risk.

Responsibilities will include, but not be limited to the following

Essential Functions:

• Collaborate with Relationship Managers in credit structuring and understanding client’s loan request. Work with Relationship Managers in obtaining necessary information (financials and/or relative documents) to underwrite credit requests.
• Attend periodic calls with existing and potential borrowers that support the strategic growth plans of the assigned region.
• Perform due diligence of loan requests once information is received. Identify and mitigate risks within the approval process. Assess credit risk ratings on new and existing relationships.
• Decision credits within delegated lending authority and make recommendations when requests are outside of delegated authority.
• Maintain strong understanding of CSB lending policies as well as regulatory requirements to ensure credit requests comply and/or reasonable exceptions are clearly documented and mitigated.
• To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, purchase invoices and other collateral information based on the bank’s loan policies and underwriting guidelines.
• Participate in quarterly watchlist calls with recommendations for problem resolution strategy for borrowers in assigned region.
• Identify training needs and process improvements within the credit department.
• Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Supervisor.