Senior Credit Officer - Missoula, United States - Glacier Bancorp

Description

About The Role

Position provides professional leadership and management to Commercial Loan Department personnel, including Credit Administration. The role involves guiding activities in accordance with the Bank's goals, objectives, and overall strategy as it relates to its market and the overall credit. Directs financial policies and practices of the bank to ensure financial objectives, overall credit goals, and institutional growth are met in accordance with policies of the Bank President/CEO, Board of Directors, and government regulations. Responsible for creating and maintaining the credit culture of the division including enforcing loan policy, approving new loans, recommending loan structure, monitoring credit concentration limits, and managing past due loans. This position also coordinates external loan audits, internal and external loan review programs, annual review by credit department personnel, and collateral documentation review systems, and monitors the company's risk grading system.

About You

DUTIES & RESPONSIBILITIES:

• Establish collaborative environment and implement the strategic direction of the division that supports the direction of the Bank, and periodically assess performance against Bank's strategic goals.
• Participate as a member of the Senior Management team in the development of the Bank's long-range planning and strategic goals. Institute and direct immediate long-range planning based on continual evaluation of results.
• Provide leadership in establishing overall objectives, policies, and plans in the areas credit administration and loan operations. Formulate, recommend, and review policies and procedures that relate to the designated departments.
• Work with Bank President/CEO as a member of the Senior Management team in reviewing overall operations and advising on policy questions, staff requirements, performance appraisals, and other administrative matters. Responsible for achieving income statement/revenue and balance sheet goals. Review reports and financial statements and monitor financial activities.
• Provide timely, candid, and constructive performance feedback to employees; develop employees to their fullest potential and provide challenging opportunities that enhance career growth. Delegate authority to subordinate officers to administer activities and operations under their direct control.
• Represent the bank as the senior credit officer on all necessary committees and meetings at the Glacier Bancorp, Inc. holding company level and is the voting member for FSB on those committees. Serve as a member of the FSB Board of Directors. Chair FSB Division and Director of loan committees. Represent the Bank in the designated market and establish and maintain relations with other companies, businesses, community associations, and governmental agencies within designated marketplace. Actively participate and represent Bank in various community, civic, and professional organizations.
• Provide oversight of loan operations including loan servicing. Lead the implementation of new processes and procedure in the areas of credit administration and loan operations. Provide oversight of real estate appraisal and evaluation functions to include management of external vendors.
• Oversee credit administration at the market level, which includes monitoring credit quality, past due credits, non-performing loans, and clearing outstanding loan conditions. Plan, implement, and control the Bank's fiscal objectives for designated market. Ensure the credit quality of division loan portfolios, adhere to established credit limits and monitor credit performance of the commercial lending staff.
• Participate in or actively lead special projects pertaining to credit administration or other company-wide initiatives. Provide guidance to loan officers and credit analysis staff on the company's overall lending policy to meet loan growth expectations, noting significant trends and recommending policy changes if necessary. Advise and implement changes in commercial loan policy and/or basic organizational structure to accomplish objectives related to lending departments.
• Participate in coordination of communication and reporting activities between departments and branch offices to ensure availability of data required for efficient daily operations. Actively participate in loan committee and/or other committees as assigned. Attempt to ensure that individual loans are risk rated correctly when reviewing loans for loan committee submission.
• Ensure audit reviews are rated satisfactory. Take corrective actions as necessary when audit standards are not being attained. Assemble information and reports pursuant to regulatory exams and outside audits. Participate in achieving the annual deposit and loan growth goals assigned for the lending department.
• Manage direct reports to maximize productivity, efficiency, and the potential of the human assets of the company including hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies, and work rules, appraise performance and provide recommendations for staff compensation, promotion, and termination as appropriate.
• Effectively document and address work/behavior/performance issues. Consult with HR regarding formal disciplinary and/or termination procedures prior to acting. Effectively handle and resolve conflict and work with difficult employees and/or situations.
• Lead team through change while demonstrating positive attitude and behaviors. Support department, division, and company initiatives. Identify and effectively resolve problems. Maintain schedules to always ensure adequate coverage.

QUALIFICATIONS:

• A minimum of ten years of commercial lending experience and/or small business or middle-market experience.
• Documented leadership experience in a bank environment, including management experience is preferred.
• A Bachelor's degree in business, finance, or related field.
• Must possess current valid driver's license.

KNOWLEDGE, SKILLS, ABILITIES:

• Extensive knowledge of commercial lending practices and procedures. Must have experience analyzing business financial statements and assessing the viability of businesses. Must have excellent communication and PR skills and the ability to work with a diverse group of customers and staff. Must have the ability to work under pressure and handle a continual schedule of distractions and inquiries requiring immediate decisions.
• Communicate Effectively: both verbally and in writing with others in a clear, thorough, and timely manner using appropriate and effective communication tools and techniques. Demonstrate soft phone skills by treating all internal and external customers in a polite and courteous manner.
• Customer Service: We are community inspired and pride ourselves on offering exceptional service to both our internal and external customers. We expect you, as an employee, to support our values and visions of Integrity, Service and Success.
• Teamwork: Demonstrate ability to work independently and as part of a team. Work cooperatively and effectively with others to set and achieve goals, help others, resolve problems, and make decisions that enhance organizational effectiveness.
• Professionalism: Exhibit a professional manner in dealing with others; work to develop and maintain cooperative and positive working relationships; represent the bank in a positive manner; maintain credibility with others.
• Ethical Behavior: Model high standard of honesty, integrity, trust, and openness. Understand and follow through with appropriate standards of conduct and moral judgment; willing to act outside the norm when needed to adhere to ethical principles. Communicate and demonstrate actions in a consistent manner. Respect others, regardless of individual capabilities, agendas, opinions or needs.
• Confidentiality: Maintain strict confidentiality regarding any information obtained during performing job duties; adhere to Bank policies and procedures regarding confidentiality.
• Quality Management: Adhere to guidelines, protocol, policies, and procedures and supervisory directives; improve and promote work quality; demonstrate accuracy, thoroughness, and attention to detail; strive to achieve good results.
• Adaptability: Adapt positively to change; manage competing demands and effectively handle changes, delays and/or unexpected events with a positive attitude.
• Planning and Organization: Prioritize, organize, and plan work; use time efficiently; and achieve results within time frames. Complete work in a timely, accurate manner and be conscientious about assignments and deadlines.
• Judgment/Problem Solving: Display ability and willingness to make sound decisions; identify and resolve problems in a timely and positive manner; exhibit sound judgment; appropriately handles both routine and non-routine situations.
• Individual Responsibility and Accountability: Accept responsibility for own work performance; accept responsibility for own actions and outcomes and does not blame others. Demonstrate willingness to take initiative in performing job duties, resolving issues, and making suggestions for improvement. Conduct follow-through and meets commitments and agreements in a timely manner; relied upon by others as a source of valid information.
• Mathematical Skills: Ability to apply accounting, scheduling, and budgeting, measurement, and calculation math skills associated with lending activities for purposes of data analysis. Comfortable working with a variety of lending formulas and industry specific equations and formulas with accuracy.
• Analytical Thinking: Develop feasible solutions based on logical and reasonable assumptions and factual observation that reflect consideration for resources, constraints, and Bank values and goals. Understand cause and effect relationships, recognize similarities and differences in situations, and apply knowledge to help make effective decisions or to come up with new ways to accomplish a task. Define a result, set, or follow a course of action to achieve it, anticipate potential obstacles, and monitor progress to achieve desired result.
• Negotiation: Negotiate with, convince, or influence others to take a course of action to achieve a specific result, requiring a significant level of trust. Use appropriate interpersonal styles and professional level written and verbal communication skills to gain acceptance of an idea, plan, activity, or product. Bring conflicts and disagreements into the open, when appropriate, and attempt resolution collaboratively through building consensus.
• Networking: Build networks of useful relationships necessary to achieve positive results. Know how organizations work; cognizant of different toles and positions of power and utilize this information to influence outcomes.
• Initiative: Identify and seize opportunities; display an independent, energetic enthusiasm and readiness to undertake or experiment to improve the organizations.
• Results Oriented: Focus efforts and energy on successfully attaining clear, concrete, accurate, timely, and measurable outcomes of importance to the organization. Persistent even when challenged by obstacles or opposition. Achieve goals and brings projects to completion. Investigate, calculate, and processed through a project or task to bring about a conclusion. Persistent and focused when faces with a series of challenging or uncertain situations. Demonstrate concern for working well or for competing against a standard of excellence.
• Leadership: Share information, feedback, and knowledge with key persons inside and outside of the Bank to ensure successful project outcomes and/or improvement. Improve the effectiveness of work processes by developing the skills of others. Conduct and/or oversee training, coaching, and teaching of others. Actively embrace leadership role by independently taking effective action with a proactive attitude. Set an example for others by reacting positively to challenges. Demonstrate a consistent pattern of being able to recognize and initiate activities that need to be done to accomplish an objective; motivate associates and peers; create a positive work climate, energize subordinates by example. Provide vision and direction by managing change, coordinating, and influencing the activity of others; command respect and inspire others to do their best. Effectively communicate at all levels of the Bank to build enthusiasm for the opportunities of change.

PHYSICAL REQUIREMENTS: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is often required to: sit; use hands in repetitive motions to finger, grasp, handle or feel; and talk or hear. The employee is occasionally required to: stand; walk; and lift or reach with hands and arms. The employee may also be required to: climb, balance, stoop, kneel, crouch, crawl, push, and pull.

Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators. Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary. Must be able to work extended hours or travel off site whenever required or requested by management. Must be capable of regular, reliable, and timely attendance. Must be capable of climbing/descending stairs in an emergency.

Specific lifting abilities required by this job include: Sedentary work. Exerting up to 10 pounds of force occasionally and/or negligible amount of force frequently or constantly to lift, carry, push, pull or otherwise move objects, including the human body. Sedentary work involves sitting most of the time. Jobs are sedentary if walking and standing are required only occasionally and all other sedentary criteria are met.

Specific vision abilities required by this job include: The worker is required to have close visual acuity to perform an activity such as: preparing and analyzing data and figures; transcribing; viewing a computer terminal; extensive reading; visual inspection involving small defects, small parts, and/or operation/inspection of machines and/or using measurement devices at distances close to the eyes

WORKING CONDITIONS:

Must be able to routinely perform work indoors in climate-controlled shared work area with moderate noise level.

Must be capable of occasional travel (less than 10 days per year) by automobile (as driver and passenger), commercial airlines, rental vehicles and public transportation and be able to lodge in public facilities.

What We Offer

COMPENSATION & BENEFITS: Starting salary is dependent upon relevant experience and may vary based on the geographic location of the position. We offer an extensive benefits package that includes, but is not limited to medical, dental, vision, and life insurance, a health savings account option, an Employee Assistance Program (EAP), a health rewards program, a 401(k) retirement savings plan, discounts on banking products and services, Paid Time Off (PTO) and holidays. Visit our website for more details

COMPANY OVERVIEW: We are a family of banks whose unique local presence reflects the communities we serve. We welcome the opportunity to grow and change as our customers and communities do the same. Read our story, learn about our banks, and experience life at Glacier Bancorp, Inc. all from our website. Check it out

We are an Equal Opportunity Employer and qualified applicants or employees will receive consideration for employment without regard to race, color, religion, national origin, sex (including pregnancy), sexual orientation, gender identity, mental or physical disability, genetic information, protected veteran status, or any other category protected by applicable federal, state or local laws.

Glacier Bancorp, Inc. does not sponsor applicants for work visas. All applicants must be legally authorized to work in the US.

No Recruiters or unsolicited agency referrals please.