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POSITION SUMMARY

Responsible for creating and maintaining the credit culture of the division. This responsibility includes enforcing loan policy, approving new loans, recommending loan structures, monitoring credit concentration limits, and managing past due loans. This position will also coordinate external loan audits, internal and external loan review programs, annual reviews by credit department personnel, and collateral documentation review systems. This position monitors the company’s risk grading system, monitors critical asset levels through action plan implementation activities, and manages non-accruals, other real estate owned, and foreclosure actions.

This position may be based at any of our branch locations, including Prescott, Prescott Valley, Phoenix, Tucson, Casa Grande, Yuma, Flagstaff, Bullhead City, Cottonwood, Lake Havasu, Kingman. 

MAJOR DUTIES & RESPONSIBILITIES

• Reports monthly to the division board on the credit quality of the overall portfolio.
• Attends Executive Loan Committee as a voting member and represents Division in GBCI projects and subcommittees as requested.
• Interprets and provides written analysis of credit-related reports provided to the business lending staff.
• 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.
• . Maintains a strong credit culture within the commercial and retail lending operations.
• Coordinates the company’s credit underwriting and delinquency follow up.
• Participates in or actively leads special projects pertaining to credit administration or other company-wide initiatives.
• Assembles information and reports pursuant to regulatory exams and outside audits.
• Provides guidance to loan officers and credit analysis staff on the company’s overall lending policy, noting significant trends and recommending policy changes if necessary.
• Regular and predictable attendance is an essential function of this job.
• Must comply with all company policies and procedures, applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.

MINIMUM QUALIFICATIONS  

Education and Experience:

• A minimum of ten years of experience would generally be required, including time spent in preparatory positions.
• A college degree in finance, accounting, or business. Graduate studies in business, finance, or banking preferred.

Knowledge, Skill, Ability (Other Skills): 

• The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust. Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.

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.

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 situation.

Specific lifting abilities required by this job include lifting up to 10 lbs. 

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 minimal noise.

Mental Requirements:

Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team. Must be able to read and carry out various written instructions and follow oral instructions. Must be able to speak clearly and deliver information in a logical and understandable sequence. Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public. Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace. Must be able to effectively handle multiple, simultaneous, and changing priorities. Must be capable of exercising highest level of discretion on both internal and external confidential matters.

TO APPLY:

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