Job Title:                                                Credit Officer

Department:                                          Credit – SCR Region 

Classification:                                        Exempt

Reports to:                                             SCR Credit Manager

Summary/Objective:

Responsible for preparation of credit assessment and other administrative matters in connection with credit.

Essential Functions:

Competencies:

In order to perform the job successfully, an individual should demonstrate the following competencies:

1. Language Skills. Ability to read and interpret documents (such as operating and procedure manuals); ability to write routine reports and correspondence; and ability to speak effectively to employees of the organization.
2. Mathematical Skills. Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
3. Computer Skills. To perform this job successfully, an individual should have knowledge of the Database software; Word-processing software; Internet software and Spreadsheet software.
4. Must be well organized and have excellent proof-reading ability.
5. Position requires independent judgment and performance of high-level tasks.
6. Analytical - synthesize complex or diverse information; collect and research data; and use intuition and experience to complement data.
7. Problem Solving - gather and analyz e information skillfully; and develops alternative solutions.
8. Interpersonal Skills - maintain confidentiality.
9. Oral Communication - speak clearly and persuasively in positive or negative situations; and listen to and seek clarification.
10. Written Communication - write clearly and informatively.
11. Teamwork - exhibit objectivity and openness to others' views.
12. Ability to perform services in person from a Bank office or Branch to, among other things, access the Bank’s computer systems and engage in an interactive environment with co-workers.

Supervisory Responsibility:

None.

Physical Demands:

This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phone. Work is completed in person in an office environment. Walking around the office and talking to employees and supervisors is also required.

Appropriate reasonable accommodations that not cause undue hardship will be made to enable qualifying individuals with disabilities to perform the essential functions of the job.

Travel Requirements:

Some travel for property inspections is required.

Required Education and Experience:

• Bachelor's degree (B. A. or B. S.) from four-year college or university.
• Three to seven years of related experience and/or training.
• Equivalent combination of education and experience.