Job Openings >> Community Credit Officer
Community Credit Officer
Summary
Title:Community Credit Officer
ID:1137
Department:Underwriting
Description

CoastalStates Bank is currently looking for a Community Credit Officer to work from either our Atlanta, GA or Dawsonville, GA location.

Essential Position Responsibilities:

  • To assess and determine the financial condition, repayment capacity and character of borrowers and guarantors through the review and analysis of financial information including: accountant or internally prepared financial statements, tax returns, personal financial statements, liquidity statements, business and personal credit reports in accordance with the bank’s loan policies and underwriting guidelines.
  • To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, purchase invoices and other collateral information based on the bank’s loan policies and underwriting guidelines.
  • To write credit memos, loan reviews and other reports summarizing information about new or existing borrowers including: the purpose of the loan, the experience/background of the borrower, the financial condition of borrowers and guarantors, repayment capacity, collateral adequacy and industry/market and using that information along with the bank’s loan policies and banking regulations to evaluate a loan’s conformity to the bank’s lending guidelines and policies while making recommendations to Directors and Bank Management about the extension of credit to borrowers, risk grading of loans and any other pertinent conditions.
  • To assist Bank Management in the timely monitoring of credit risk.
  • Perform other responsibilities as assigned by the Underwriting Manager or Credit Officers of the bank.


Job Knowledge and Abilities:

  • Able to set goals, meet objectives, take initiative and complete tasks within deadlines.
  • Capable of working independently in a fast-paced environment.
  • Broad understanding of residential mortgage/real estate loan closing process.

Education and Experience:

  • Four-year degree preferred, high school or equivalent degree required.
  • 5-10 years of banking experience required, or an equivalent combination of education and experience may be acceptable.
  • Strong verbal and written communication skills as well as the ability to work independently.
  • Requires strong attention to detail, excellent problem-solving skills, and the ability to work within time constraints.
  • Proficiency in Microsoft Excel and Word in order to develop spreadsheets, templates, and reports is required.
  • Preferable to have experience working with nCino loan platform.
  • Exceptional teamwork skills are required.
  • Ability to manage multiple projects and work independently under limited supervision.

We offer a competitive wage and comprehensive benefit plan.

Coastal States Bank (“CSB”) builds relationships by providing a full range of banking services designed for businesses, their owners, and individuals looking for a local banking partner. With a community bank presence in the LowCountry of South Carolina (Hilton Head Island and Bluffton), Savannah, Atlanta, and North Georgia (Cumming and Dawsonville), CSB also serves communities across the country through our Government Guaranteed Lending, Senior Housing, and Mortgage Banker Finance lines of business.

CSB – Local. And Proud Of It.®

Coastal States Bank is an equal opportunity employer committed to creating a diverse workforce. We consider all qualified applicants for employment without regard to race, religion, color, sex, national origin, age, disability or veteran status, or any other legally-protected factors.

We thank all interested candidates, however only those selected for an interview will be contacted.

This opening is closed and is no longer accepting applications
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