Credit Officer

Position Title:

Credit Officer

FSLA Status:

Exempt (17B)

Reports to:

Chief Credit Officer

Location:

Fort Worth, Houston, or Tyler, TX

Benefits:

• Medical, Prescription Drugs, Dental, and Vision Insurance
• Insurance Eligibility for Team Members and Dependents Starting on the First Day of Employment
• 401(k) with a Match
• Basic, Voluntary, and Dependent Life Insurance
• Paid Time Off
• Paid Bank Holidays
• Workplace Wellness Programs
• Employee Assistance Programs
• Tuition Reimbursement

Job Summary: Approves and recommends loans for approval in accordance with Bank Policy with the goal of supporting quality loan growth and maintaining an acceptable level of Asset Quality.

Essential Functions:

• Reviews and approves loans within individual approval authorities.
• Reviews and signs off on Internal Evaluations for the Loan Review Group.
• Supports the Commercial Lending function for the Bank with specific focus on the Commercial Real Estate.
• Provides guidance to Lending team on loan structure and pricing in advance of approval.
• Supports Credit Analysts as needed.
• Participates as a voting member of Officer's Loan Committee.
• Participates in lending Pipeline meetings.
• Participates in annual review of Bank Credit Policy and propose any necessary updates/edits as needed.
• Understands and follows all local, state, and federal laws and regulations as they apply to lending.
• Direct involvement in loan workout as needed.
• Prepares special projects at management's request.
• Assigns work duties to team members.
• Maintains positive relationships and promotes efficiency among a group of workers.
• Plans and supervises the activities of others.
• Maintains confidentiality of all sensitive Bank information.
• Maintains a positive and caring atmosphere for customers and employees consistent with Southside Bank's mission, CORE Values, and Blue Book culture guide.
• Provides enthusiastic, professional, and courteous service to Southside Bank customers and employees.
• Participates in proactive team efforts to achieve departmental and company goals.
• Understands and agrees to abide by the policies and procedures established at Southside Bank.
• Responsible for complying with audit policies and procedures as they pertain to this position.
• Performs duties in compliance with applicable laws and regulations, including but not limited to the Bank Secrecy Act (BSA) and related anti-money laundering laws, and in accordance with the Bank's Information Security Program.
• Must comply with all applicable laws and regulations.

Additional Job Functions:

• Completes work duties; maintains positive relationships and promotes efficiency among a group of workers.
• Exchanges ideas, information and opinions with other people to formulate policies, programs, decisions and solutions.
• Adapts effectively to changing work tasks, market information, technology, procedures, conditions and physical demands.
• Gathers, collates, classifies and reports information.
• Examines and evaluates data. Presents an alternative course of action based upon analysis.
• Performs well-defined activities, which require accuracy and attention to detailed information.
• Provides leadership to others through example and sharing of knowledge/skill.
• Complies with all safety policies, practices, and procedures. Report all unsafe activities to supervisor and/or Human Resources.
• Performs additional duties, as assigned or directed.

Required Education and Experience:

• Five or more years of experience in a financial institution or loan setting, preferably in credit risk management in the commercial real estate lending and analysis areas; prefer bachelor's degree in business administration, finance or related area.

Necessary Skills:

• Ability to manage multiple deadlines and projects concurrently.
• Ability to use a computer, email, and navigate through software.
• Understand, reason, and make judgments.
• Motivate and influence others to take specific action.
• Reach conclusions based on objective, subjective or sensory data.
• Understand highly complex instructions and written materials. Read, write and speak using standardized technical communication formats, diction and style. Apply methods of persuasive speaking, discussion and debate.
• Integrate the analysis of data to discover facts, build knowledge, formulate concepts or develop interpretations.
• Understand complex instructions and written materials.

Physical Activity/Dexterity:

• Manual dexterity sufficient to reach/handle items and work with fingers. Works with fingers and perceives attributes of objects and materials.

Physical Environment Demands:

• Must be able to remain in a stationary position 90% of the time.
• The person in this position needs to occasionally move about inside the office to visit other offices, conference rooms, office machinery, etc.
• Constantly operates a computer and other office productivity machinery, such as a calculator, copy machine, and telephone.
• Constantly positions self to operate on a computer.
• The person in this position frequently communicates with other people throughout each day. Must be able to exchange accurate information when conversing.

Working Conditions/Environment:

• Well-lighted, heated and/or air-conditioned indoor office setting with adequate ventilation.
• Moderate noise (e.g. business office with computers and printers, light traffic).

Travel:

• Minimal overnight travel (up to 10%) by land and/or air.

Work Schedule/Hours:

• Monday through Friday; 8:00am - 5:00pm.
• Available for overtime, as needed.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)