About this opportunity
Bankers Trust Company lists this Credit Officer I or II opportunity in des moines, Iowa. Review the employer’s description below for duties, qualifications and application requirements.
Job description
Credit Officer I or II
VP Des Moines, IA, US
If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.
Job Summary
The Credit Officer I is primarily responsible for the due diligence, structuring and approval of loans submitted from the various lending areas within approved lending authority limits. This position will work proactively with the underwriters and relationship managers to analyze, structure and recommend approval for credit exposures to ensure strong asset quality. In addition, this position will supervise and develop assigned commercial portfolio managers and/or credit analysts.
Primary Functions and/or Responsibilities
Utilizes granted Individual Loan Authority in a manner consistent with asset quality objectives of the Bank. Loan authority will be commensurate with experience, expertise and business need, but will generally be utilized for smaller, less complex credits
Ensures that underwriting packages are complete and prepared in a timely manner
Assists the Relationship Managers and/or Portfolio Managers as needed to ensure each loan is properly structured based on the credit characteristics
Reviews credits for appropriate risk rating and approve recommended risk rating changes
Recognizes and mitigates Loan Policy and Loan Guideline exceptions and ensure proper reporting for tracking purposes
Supervises assigned Commercial Portfolio Managers and/or Credit Analysts in the preparation of independent, timely, quality credit analysis that defines and mitigates relevant credit issues including but not limited to approval sheets, annual reviews, action plans, financial spreads, projections and any other information relevant to the credit process
Develops and monitors training progress of Commercial Portfolio Managers and/or Credit Analysts to ensure their professional development goals are being met and that they have been provided access to tools and training necessary to be successful in their positions
Provides input on Senior Loan Committee agenda items
Assists Chief Credit Officer with designated credits and special projects
Performs other duties as assigned
Education and/or Experience Needed
Credit Officer I
BA or BS degree in Business, Accounting or Finance
At least eight years of relevant commercial credit experience required
Credit Officer II
BA or BS degree in Business, Accounting or Finance
At least ten years of relevant commercial credit experience required
Specific Skills, Knowledge & Abilities Needed
Strong credit analysis skills and techniques
Commercial loan structuring
Ability to manage problem loans
Strong knowledge of Bank regulations
Loan evaluation skills
Hiring Salary Range
Credit Officer II Hiring Base Salary Range: $117,000 - $139,000 plus annual bonus.
Credit Officer I Hiring Base Salary Range: $102,500 - $121,500 plus annual bonus.
Benefits
Group Health, Dental, and Vision Insurance
Generous Paid Time Off (PTO)
401(k) plan with lucrative company match
Tuition assistance
Company Paid Life Insurance
Lifestyle Accounts that provide employees with reimbursement for the things that are most important to them such as childcare, student loan payments, gym memberships, pet insurance and much more.
Team Member Banking - a suite of products and services with special benefits for employees
Hybrid Eligibility: Position may be eligible for a hybrid work schedule (requiring some days in the office each week).
EQUAL OPPORTUNITY EMPLOYER
PROTECTED VETERANS AND INDIVIDUAL WITH DISABILITY
#J-18808-Ljbffr
Worksite address
des moines, IA, 50319, US
Who can apply
Review the original listing for work authorization, qualifications and employer requirements.