First National Bank Texas
Job Description
* Oversee and provide active and effective management of all the Bank's Credit Administration functions to include Commercial Loan Analysis and Underwriting, Portfolio Management and Reporting, Loan Operations, and Loan Administration.
* Maintain the credit policies and procedures of the Bank to ensure consistent and sound lending practices across the organization.
* Ensure adherence to credit policies across the loan origination process.
* Effectively monitor and manage concentration risk in the Bank's loan portfolio while also identifying and assessing emerging credit risks within the portfolio.
* Implement strategies to mitigate credit risk through relevant credit guidance that aligns with current economic cycles, budgeted growth plans, and risk tolerance levels.
* Ensure that all credit-related activities comply with relevant banking laws and regulations and the Bank's loan policies and procedures.
* Assist in determining the adequacy of the allowance for credit loss.
* Prepare detailed loan portfolio management reporting and present to the Bank's Executive Management Committee and the Board of Directors
* Act as a liaison to regulatory examiners, external loan review, and external auditors.
* Participate in the development and implementation of the Bank's strategic objectives.
* Assists with other projects and duties in conjunction with the Chief Lending Officer and/or Chief Executive Officer
* Lead and motivate a team of direct report senior level management.
* Communicate effectively with all staff, management and the Bank's Board building effective relationships with key stakeholders.
* All other duties as assigned
Physical Requirements:
* Must maintain a physical office at the Bank's Headquarters
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other technology
* Ability to lift up to 25 pounds
FCBI is an equal opportunity employer.
* Oversee and provide active and effective management of all the Bank's Credit Administration functions to include Commercial Loan Analysis and Underwriting, Portfolio Management and Reporting, Loan Operations, and Loan Administration.
* Maintain the credit policies and procedures of the Bank to ensure consistent and sound lending practices across the organization.
* Ensure adherence to credit policies across the loan origination process.
* Effectively monitor and manage concentration risk in the Bank's loan portfolio while also identifying and assessing emerging credit risks within the portfolio.
* Implement strategies to mitigate credit risk through relevant credit guidance that aligns with current economic cycles, budgeted growth plans, and risk tolerance levels.
* Ensure that all credit-related activities comply with relevant banking laws and regulations and the Bank's loan policies and procedures.
* Assist in determining the adequacy of the allowance for credit loss.
* Prepare detailed loan portfolio management reporting and present to the Bank's Executive Management Committee and the Board of Directors
* Act as a liaison to regulatory examiners, external loan review, and external auditors.
* Participate in the development and implementation of the Bank's strategic objectives.
* Assists with other projects and duties in conjunction with the Chief Lending Officer and/or Chief Executive Officer
* Lead and motivate a team of direct report senior level management.
* Communicate effectively with all staff, management and the Bank's Board building effective relationships with key stakeholders.
* All other duties as assigned
Physical Requirements:
* Must maintain a physical office at the Bank's Headquarters
* Must be able to remain in a sitting stationary position for extended periods of time
* Constantly operate a computer and other technology
* Ability to lift up to 25 pounds
FCBI is an equal opportunity employer.