Senior Credit Officer - Commercial

Job Title: Senior Credit Officer - Commercial

Location: Greenville, SC or Orlando, FL
Reports To: Chief Commercial Credit Officer

United Community is looking for a Senior Credit Officer - Commercial to work with Community Bank Executives and Corporate Banking leadership to achieve high credit quality via the loan approval process.
Position can sit in Greenville, SC or Orlando, FL. 

• Work with Community Bank Executives, Commercial Banking Solutions (Specialty Lending Groups) and Regional Credit Managers to promote the credit culture of United Community Bank
• Protect the assets of the bank through the proper execution and administration of risk management policies and procedures. Assumes accountability for quality approval decisions and the overall quality of the assigned loan portfolio.
• Approve larger credits in a timely and efficient manner helping to ensure customers’ expectations are met
• Serve as “gatekeeper” for approval of larger credits and assists in enforcing the bank’s house limit
• Recommends approval of changes in underwriting procedures and policies
• Partner with State Presidents and Team Leads within Commercial Banking Solutions to execute on our credit culture, grow the portfolio and maintain strong portfolio credit metrics.
• Acts in an advisory and referral role to lenders and analysts in matters of compliance, regulation and policy
• Supervise activities of the Regional Credit Managers
• Assist in monitoring credit quality including responsibilities for portfolio risk ratings, and oversight of criticized asset and portfolio review meetings
• Direct and assist in the preparation of each bank for regulatory examinations. Works directly with bank regulators during the examination process.
• Coordinate credit portion of due diligence efforts with regard to new bank acquisitions
• Assist in training new lenders and the on-going training on policies, procedures and culture
• Perform annual performance reviews along with an effective management plan consisting of goals for staff
• Perform other duties as assigned

• College degree or equivalent
• Minimum 10 years’ experience in a regulatory or commercial lending background with at least 5 years of credit approval experience with C&I, Middle Market and Commercial Real Estate.
• Strong leadership skills with extensive supervisory and managerial experience and the ability to build strong teams.
• Excellent interpersonal and communication skills; and the ability to solve problems.
• Participate and complete all required compliance training, including Bank Secrecy Act/anti-money laundering training, as well as internal and external training programs, online training, meetings, and seminars/conferences, etc.

• Must be able to pass a background & credit check
• This is a full-time, non-remote position that requires schedule flexibility to work evenings and weekends as needed.
• Up to 20% travel required.

FLSA Status: Exempt