Regional Credit Officer

This position can be located at ourBillings, MT Downtown and Boise, ID W. Overland branch.

What's Important to You

We know your career is just one aspect of a meaningful, complex, and demanding life. That's why we designed our compensation and benefits package to provide employees and their families with as much choice as possible.

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• The health and happiness of the places we call home matter to us. Learn a little more about what we do for the communities we serve, and why we want YOU to be a part of it.

We encourage you to apply. Reach for what you want and tell us why your work ethic and willingness to learn make you a natural fit for #TeamFirstInterstate.

SUMMARY
The Regional Credit Officer is accountable for supporting credit risk oversight for one or more regions, markets, and/or business lines. This position evaluates and adjudicates credit requests for existing customers and new prospects, reviews annual analyses, identifies potential and emerging risk (credit, reputational, liquidity, market and operational), and performs proactive portfolio management through ongoing monitoring.

ESSENTIAL DUTIES AND RESPONSIBILITIES

• Understands and evaluates market conditions within oversight regions/business lines for proactive assessments of credit risk and partnership with the line of business on strategic loan growth.

• Provides credit coaching, mentoring, and training throughout the lending and adjudication process.

• Assists the line management in the evaluation of line personnel.

• Adjudicates, administers, and reviews loans and loan commitment requests to ensure adherence to existing policy guidelines and sound underwriting principles to protect the quality and profitability of the loan portfolio.

• Presents well-organized, accurate, and complete analysis of recommendations for adjudication.

• Identifies potential problem loans and works with the Special Assets Group and front line to help manage credit risk.

• Oversees initial and ongoing loan Risk Rating Accuracy for the portfolio within oversight regions.

• Maintains and ensures the commercial extension of credit within their purview is within FIB's risk appetite and properly managed.

• Ensures credit evaluations properly assess credit risk, policy exceptions, regulatory compliance and risk rating assignment through effective financial analysis, collaborating with Relationship Managers and Credit Officers, and other due diligence efforts.

• Acts as the primary contact for commercial lenders, underwriters, product specialists, and senior leadership within their regions for all new, renewals, and/or modifications of credit up to their individual credit authority.

• Demonstrates leadership of a collaborative partnership across all internal stakeholders to advocate appropriate credit risk culture to the field.

• Supports credit risk management participation in internal loan review, audit, and regulatory examinations.

• Provides support in forecasting of asset quality indicators to senior management.

• Contributes to the establishment and review of credit policy as appropriate.

• Works closely with the Divisional Officer on other special projects.

• Approves loans within the position's delegated credit authority and facilitates approvals for relationships requiring a higher level of approval.

• Supports and/or coordinates reporting for various purposes to different constituencies and for maintaining strong lines of communication to the affected departments, such as with the finance and loan operations areas.

• Assists in training, travels to meet with various stakeholders, and supports Divisional Credit Managers, as required.

• Other duties as assigned.

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

KNOWLEDGE, SKILLS AND ABILITIES

• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.

• Ability to write reports, business correspondence, and procedure manuals.

• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

• Ability to calculate figures and perform spreadsheet analysis.

• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.

• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

• Must possess common sense and logic/knowledge to be able to formulate and strategize options for any given situations.

• Must be proficient with MS Word and Excel.

• Knowledgeable across multiple types of commercial lending including, but not limited to: C&I, Real Estate (including investor (all types) and owner occupied), hotel, agricultural, equipment, and aviation.

• Willingness to travel within the bank's footprint, or as required based on customer location, as appropriate.

EDUCATION AND/OR EXPERIENCE

• Bachelor's Degree required

• 10+ years of commercial lending and/or commercial credit risk experience required

LICENSES AND CERTIFICATIONS

• Valid Driver's License required

PHYSICAL DEMANDS AND WORKING ENVIRONMENT
The physical demands and work environment are representative of those that must be met or encountered to successfully perform the essential functions of the job. In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.

• Dexterity of hands/fingers to operate computer keyboard and mouse - Frequently

• Sitting - Frequently

• Standing - Occasionally

• Noise Level - Moderate

• Typical Work hours - M-F (8-5)

• Regular and Predictable Attendance - Required

• Expected to perform market and customer visits across the footprint as needed with minimum expectations that primary markets would be visited annually. - 20%