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Description
Description Summary Overall responsibility for credit policy and analysis of commercial loan portfolio activities of department in all states by performing the following duties personally or through subordinate supervisors
Essential Duties and Responsibilities include the following. Other duties may be assigned.
Incumbent will maintain a large focus on Commercial Real Estate.
Management responsibility for activities of all Regional Credit Officers to include Credit Policy and Analysis issues
Approves or declines loan requests above the concurrent level to the banks house limit; above that amount, makes recommendation to the Credit Committee
Provides input on policy changes to the Chief Credit Officer and administers the Credit Policy in approval decisions and through oversight of the Regional Credit Officers and the administration of their portfolios.
Provides feedback to assist in the training and directing of Credit Analysts in their role of preparing credit proposals, risk assessment, analysis of financial information and credit review
Participates in assessment meetings on the quality and status of loan portfolios and uses the results in the Regional Credit Officers evaluations
Prepares annual budget and manpower planning for the Credit Department and reviews with the Chief Credit Officer
Reviews expense reports monthly
Develops and recommends plans for expansion of existing programs, operations or credit activities
Solicits new business and participates in community or other service programs to develop goodwill
Analyzes and complies with government laws and regulations.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Education and/or Experience
Master''s degree or equivalent in the field of Finance; at least ten years related experience and/or training; or equivalent combination of education and experience
Language Skills
Ability to read, analyze, and interpret the most complex documents; Ability to respond effectively to the most sensitive inquiries or complaints; Ability to write speeches and articles using original or innovative techniques or style; Ability to make effective and persuasive speeches and presentations on controversial or complex topics to top management, public groups and/or boards of directors
Mathematical Skills
Ability to work with mathematical concepts such as probability and statistical inference; Ability to apply concepts such as fractions, percentages, ratios and proportions to practical situations
Reasoning Ability
Ability to apply principles of logical or scientific thinking to a wide range of intellectual and practical problems; Ability to deal with nonverbal symbolism (formulas, scientific equations, graphs, etc.,) in its most difficult phases; Ability to deal with a variety of abstract and concrete variables
Computer Skills
Ability to learn or knowledge of Microsoft Office products including Microsoft Word, Excel, Access and Powerpoint; Ability to learn or knowledge of Outlook email program
Certificates, Licenses, Registrations
No specific certifications, licensure or registrations are needed to satisfactorily perform this job.
Supervisory Responsibilities
Manages five subordinate supervisors who supervise many employees in the all of the regional credit departments; responsible for the overall direction, coordination and evaluation of these units; Carries out supervisory responsibilities in accordance with the organization''s policies and applicable laws. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.
Competencies
To perform the job successfully, an individual should demonstrate the following competencies:
Core Values - Has a high level of commitment to service to all of our customers, both external and internal; Honors others and acts with integrity and ethics; Promotes Hancock Holding Company in safety and financial strength and stability; Exhibits teamwork and the value that no one person is more important than another; Accepts personal responsibility for actions.
Business Skills - Pays close attention to detail; Possesses good organizational skills; Exhibits basic accounting skills; Has knowledge of basic banking products such as depository accounts and investments.
Analytical - Synthesizes complex or diverse information; Collects and researches data; Uses intuition and experience to complement data; Designs work flows and procedures.
Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions.
Project Management - Develops project plans; Coordinates projects; Manages project team activities.
Technical Skills - Assesses own strengths and weaknesses; Strives to continuously build knowledge and skills; Shares expertise with others.
Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality.
Teamwork - Balances team and individual responsibilities; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone''s efforts to succeed.
Visionary Leadership - Displays passion and optimism; Inspires respect and trust; Mobilizes others to fulfill the vision; Provides vision and inspiration to peers and subordinates.
Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results.
Leadership - Exhibits confidence in self and others; Inspires and motivates others to perform well; Effectively influences actions and opinions of others; Gives appropriate recognition to others.
Managing People - Takes responsibility for subordinates'' activities; Makes self available to staff; Provides regular performance feedback; Develops subordinates'' skills and encourages growth; Solicits and applies customer feedback (internal and external); Fosters quality focus in others; Improves processes, products and services.; Continually works to improve supervisory skills.
Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
Cost Consciousness - Works within approved budget; Develops and implements cost saving measures; Contributes to profits and revenue; Conserves organizational resources.
Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment; Builds a diverse workforce.
Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
Organizational Support - Follows policies and procedures; Supports organization''s goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity.
Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization''s strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.
Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.
Professionalism - Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
Physical Demands 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 regularly required to sit; use hands to finger, handle or feel such as using a computer mouse or writing and talk or hear in person or on the telephone with other employees, supervisors and in some cases the general public and board of directors. The employee is occasionally required to stand and walk. The employee must occasionally lift and/or move up to 10 pounds.
Work Environment The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
The noise level in the work environment is usually quiet.
Assignment of Duties
NOTHING IN THIS JOB DESCRIPTION RESTRICTS MANAGEMENT''S RIGHT TO ASSIGN OR REASSIGN DUTIES AND RESPONSIBLITIES TO THE JOB AT ANY TIME.
Details:
Job Id:
23462891
Posted / Updated:
3/21/2012 3:42:58 AM
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