credit officer
metropolitan
Total years of experience :9 years, 3 Months
• Responsible for implementing a system of credit analysis and quality assurance for loans made as required by board directives; assign ratings as needed in conjunction with loan loss reserve analysis.
• Oversee the full range of managerial duties for the loan review, compliance, collections, and credit analysis functions including adherence to policies and practices of the organization and applicable regulatory and governmental agencies.
• Examine files periodically for assurance of credit and collateral documentation, regulatory compliance; review technical exceptions and deficiencies; maintain reports of continued outstanding exceptions to the Board of Directors.
• Attending meetings with his designated credit supervisor.
• Preparing and writing Credit Proposal / Recommendation Memos under supervision of his designated credit supervisor including the proposed credit financing form, associated terms and conditions, the client’s historical financial analysis and scientific projections.
• Provide quarterly analyses of the adequacy of the allowance for loan and lease losses for board discussion.
• Prepare periodic board reports.
• Prepare periodic market sectors and economic studies of various portions of the loan portfolio including past due reports, concentrations of credit, etc. for the benefit of supervisory and executive officers.