Regional Credit Officer
On-siteNashville, Tennessee, United States
Job Summary
Lead strategic credit oversight and portfolio management for assigned markets, conducting comprehensive evaluations of borrowers, guarantors, and collateral to ensure asset quality and risk mitigation. Partner with Relationship Managers and senior leadership to make timely credit decisions on complex commercial, CRE, and C&I relationships, while providing coaching and mentorship to team members. Identify emerging risks, develop action plans, and implement improvements to underwriting standards and operational efficiency. Represent the bank in community and professional associations to support business development and maintain ethical compliance standards across all activities.
Required Qualifications
- Bachelor's degree
- Minimum of 15 years of progressive banking experience
- At least 7 years in commercial credit, credit administration, underwriting, portfolio management, or a related credit leadership role
- Demonstrated experience approving and managing complex commercial, CRE, and C&I credit relationships
- Strong understanding of credit risk management, loan structuring, regulatory requirements, and portfolio management principles
- Experience leading credit teams and collaborating with executive leadership to balance growth objectives with prudent risk management
- Ability to evaluate complex financial information, identify emerging risks, and develop practical solutions
- Strategic thinker with the ability to balance portfolio quality, growth objectives, and client service expectations
- Excellent leadership, coaching, and talent development skills
- Strong relationship-building skills with the ability to collaborate effectively across business lines and levels of the organization
- Exceptional judgment, decision-making, and problem-solving abilities
- Strong verbal, written, and presentation skills, including the ability to communicate complex credit concepts to leadership and lending teams
- Ability to lead change, improve processes, and drive operational effectiveness
- Respectful demeanor toward other associates and managers that promotes a positive and professional work environment
- Ability to demonstrate the highest level of ethical behavior and confidentiality and maintain confidentiality with sensitive information
- Understand and comply with bank policy, laws, regulations as applicable to your job duties
- Complete compliance training
- Adhere to internal procedures and controls
- Report any known violations of compliance policy, laws, or regulations
- Report any suspicious customer and/or account activity
Desired Qualifications
- Degree in Finance, Accounting or Economics
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