The Assistant to the Chief Credit Officer/Special Assets Officer works closely with the CCO, loan officers, legal counsel, and customers to achieve credit collection and reconciliation with minimal loss. The role involves collaboration with Loan Officers and Branch Managers to address credit collections before loans reach special asset status, maintaining the special asset loan portfolio according to bank policies, and monitoring problem credits bank wide.

Key Responsibilities

• Monitoring and Legal Coordination: The Assistant is responsible for maintaining bankruptcy and legal files, coordinating with Legal Counsel on related cases under the CCO’s direction.
• Loan Portfolio Oversight: Monitoring bank-wide loan participations, problem loans, and non-accruals is a critical function, along with working directly with lenders to collect assigned loans.
• Charge-Off Account Management: The Assistant collaborates with branches to collect or file small claims on charged-off overdraft accounts, aiming to minimize losses in the special asset loan portfolio.
• Disposition of Repossessed Collateral and Management of Bank-Owned Property: Under the CCO’s direction, the Assistant to the Chief Credit Officer/Special Assets Officer coordinates collateral repossession and disposition and helps manage bank-owned properties, including conducting inspections, managing expenses, and working with real estate agents for liquidation.
• Reporting and Analysis: The role includes responsibility for SBA reporting and reconciliation, as well as assisting with loan and Other Real Estate Owned (OREO) board reports and analysis on a monthly or quarterly basis.

The Compliance Officer ensures the bank complies with federal and state laws by reviewing policies, coordinating with departments, staying updated on legal changes, managing consumer complaints, and preparing for regulatory examinations. The Compliance Officer prepares and presents materials and information to the Audit and Compliance Committee and the Board of Directors. The Compliance Officer serves as a board-approved Compliance Officer and Bank Secrecy Act Officer responsible for coordinating and monitoring day-to-day compliance with federal and state law relating to the Bank Secrecy Act.

• Compliance education and training management: The Compliance Officer must obtain and maintain certification from the ICBA. The officer oversees the development and dissemination of compliance standards, supervises compliance programs including training and testing, maintains internal compliance programs, and fosters a positive compliance culture within the bank.
• Knowledge and experience requirements: An associate degree in Business Management is preferred or equivalent experience, professional communication skills, leadership ability in regulatory compliance, current knowledge of banking laws, and skills in training development, report writing, problem-solving, and multitasking.
• Working conditions and essential functions: The role involves long periods of computer work, travel to branch offices, occasional work outside regular hours, and requires specialized expertise to fulfill compliance duties effectively.

The Commercial Loan Officer is responsible for developing, evaluating, and maintaining a commercial and agriculture loan and deposit portfolio, while increasing branch profitability through business development. The Commercial Loan Officer monitors and maintains their loan portfolio in accordance with bank policies and procedures. The Commercial Loan Officer fosters a cooperative working environment with loan support staff, operations, and retail branch employees by providing positive leadership.

KNOWLEDGE & EXPERIENCE REQUIREMENTS

• Preferred 5-7 years lending experience.
• 3 years of equivalent experience in a related field preferred.
• minimum 4-year college degree preferred.
• Ability to use computers and related software programs.
• Must have excellent reasoning ability and solid understanding of financial accounting and mathematics.
• Demonstrates ability to make decisions and manage others.
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals and the ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate cash flow, analyze risk, and understand the fundamentals of analyzing financial statements.
• Ability to prepare and explain trend, ratio and comparative statements.
• Ability to apply concepts of basic accounting, algebra and geometry.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.