Overview The Regional Credit Officer is responsible for monitoring the quality of the loan portfolio for respective geographic regions(s) in conjunction with senior regional management. Identifies credit risk and provides guidance to senior regional management to determine adequacy of underwriting analysis and risk ratings. Assists in structuring, analyzing and approving credit and provides advice and guidance on new or existing credit relationships. KEY RESPONSIBILITIES Position Specific Responsibilities Implements and monitors credit policies and procedures with controls sufficient to maintain adequate asset quality and credit risk management. Accountable for credit decisions including responsibility for approval of lease relationships up to $5 million; approves credit relationships from $5 million and above in concert with the Chief Credit Officer. Serves as a voting member and/or Chairman of the Regional Loan Committee(s) in the geographic region(s) of primary responsibility. Responsible for accuracy of risk ratings within assigned region(s). Proactively monitors the escalation and resolution of critical credit administration items and appropriately holds individuals within the region accountable for performance results. Consistently and effectively interacts with various business line managers to identify and resolve conflicts, build effective consensus, and earn the trust and commitment of team members (credit and business line). Works with lines of business, regional managers, and region teams to improve consistency and content of loan presentations; ensures adherence to credit criteria, information guidelines, underwriting requirements, and performance expectations to improve performance of the portfolio. Proactively communicates with Region Presidents, Senior Lenders, Regional Credit Officers, Director of Special Assets Group and Chief Credit Officer/Corporate Credit regarding portfolio management. Maintains up-to-date knowledge of changing industry, legislative and regulatory climate and recommends appropriate changes to the Bank’s policies and procedures. Job Requirements Undergraduate degree with a major in Finance and/or Accounting; master’s degree preferred. Minimum of 15 years of overall commercial banking experience required. A diverse background including at least 10 years of commercial lending and/or credit administration management experience is preferred; a combination of appropriate experience and education may be considered. Strong working knowledge of risk assessment using credit analytical methods, models and tools with proven experience applying analytical principals and concepts to credit portfolio and customer information. Superior credit analysis skills, strong ability to analyze financial statements and evaluate cash flow and borrowing base structure, ability to ascertain reliability of financial statements and identify early warning signs. Detailed knowledge of loan policies, lending guidelines and procedures, loan structures and loan documentation. Proven leadership skills, interpersonal savvy, excellent communication skills with the ability to effectively develop direct reports including providing timely/effective job performance feedback, mentoring, and coaching associates in their career path. Displays strong awareness and understanding of team diversity and the ability to leverage skills while building effective teams. Good task management and organizational skills; ability to effectively handle multiple tasks simultaneously and successfully determine priorities appropriately. Good understanding of client market, industry, and economic trends. Must have ability to effectively and efficiently work under pressure while meeting deadlines. Come as you are. Our culture embraces diversity, equity, & inclusion; one where everyone feels valued and heard. For more information on JFG's culture and diversity efforts, including our employee resource groups, please visit the Diversity section of our career website.