BankWest - South Dakota
The Credit Officer works with all Bank Lending Personnel and Credit Administration to help in the loan approval and loan monitoring processes. This position is responsible for evaluating the credit worthiness of current or potential customers and makes credit decisions up to limits approved by BankWest's Loan Committee.
This position provides ongoing input for enhancements to the credit department, assists in training of lending staff, and in development of reports, loan forms and documentation. As backup to the Head of Credit (HOC), this position will provide timely credit decisions to meet service expectations while maintaining adherence to BankWest loan policy, guidelines and standards along with compliance with all applicable State & Federal Banking Regulations.
Primary Duties
Review and approve Ag/Commercial Credit Requests, along with requests for Home Equity Loans, Cash Management Services and Consumer Review and approve requests for charge-offs, non-accruals and risk rating changes. Preview and recommend requests to go to Loan Committee for approval with the assistance of the CCO and HOC as needed. Collaborate with lending staff on loan structure and to help identify potential issues associated with borrower financial status. Monitor and support adherence to BankWest's Loan Policy while finding solutions that are beneficial to BankWest. Secondary Duties
Act in a leadership capacity, providing relevant expertise and counsel. Work as a team with departmental counterparts on planning and implementing assigned projects and products. Participate on various committees and project teams as deemed appropriate by management. Attend, actively participate in organization, job specific training offered, and Quality Service programs. Requirements
Education: A Bachelor's Degree in a related field. Experience: 10 years' experience in Ag/Commercial Lending Experience in financial analysis, risk assessment and underwriting. Knowledge And Special Skills
Ability to work dependently and/or independently, under pressure, meet deadlines, and adjust work schedules as needed to complete job responsibilities. Ability to organize and handle multiple responsibilities while delivering quality external and/or internal Customer Service. Excellent credit/financial analytical skills. Strong understanding of concepts relating to commercial and ag lending regarding the analysis of credits.
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Review and approve Ag/Commercial Credit Requests, along with requests for Home Equity Loans, Cash Management Services and Consumer Review and approve requests for charge-offs, non-accruals and risk rating changes. Preview and recommend requests to go to Loan Committee for approval with the assistance of the CCO and HOC as needed. Collaborate with lending staff on loan structure and to help identify potential issues associated with borrower financial status. Monitor and support adherence to BankWest's Loan Policy while finding solutions that are beneficial to BankWest. Secondary Duties
Act in a leadership capacity, providing relevant expertise and counsel. Work as a team with departmental counterparts on planning and implementing assigned projects and products. Participate on various committees and project teams as deemed appropriate by management. Attend, actively participate in organization, job specific training offered, and Quality Service programs. Requirements
Education: A Bachelor's Degree in a related field. Experience: 10 years' experience in Ag/Commercial Lending Experience in financial analysis, risk assessment and underwriting. Knowledge And Special Skills
Ability to work dependently and/or independently, under pressure, meet deadlines, and adjust work schedules as needed to complete job responsibilities. Ability to organize and handle multiple responsibilities while delivering quality external and/or internal Customer Service. Excellent credit/financial analytical skills. Strong understanding of concepts relating to commercial and ag lending regarding the analysis of credits.
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