The Senior Credit Officer is responsible for providing support, direction, credit information, and loan policies and procedures to ensure the overall quality of the Bank's credit extension.

Responsibilities:

• Transactional approvals/declinations within delegated authorities
• Voting Member of Loan Committee
• Primary Loan & Discount interface
• Ensure Compliance with Committee Charters and Credit Policies and Procedures
• Oversee the production and maintenance of the portfolio data base and reports
• Responsible for the credit policies and its compliance with the applicable regulations and laws, credit risk, product and program management
• Ensure that the business development and relationship management group understands and develops business in accordance with the Bank’s credit guidelines
• Work with senior management on the determination of overall loan portfolio composition and the management of concentrations
• Regulatory exam and audit loan liaison
• Manage the independent loan review process (Plante Moran)
• Ensure that the portfolio is appropriately Risk Rated and adequately reserved
• Direct the Loan Work-Out/Special Assets process; reduce credit and collections/non- performing loan levels
• Adhere to current compliance standards and service standards of performance
• Perform other duties as assigned

Knowledge, Skills and Abilities

• Lending, risk and leadership skills to drive the remediation of the loan portfolio and establish the necessary risk processes, infrastructure and a new risk culture
• Excellent leadership, interpersonal, team and communication skills (written and verbal)
• Knowledge of banking regulations (State of Illinois, FDIC and FRB)
• Sound working knowledge of the overall operations of the loan/credit departments
• Ability to establish credibility and rapport; knowledgeable and personable looking for ways to improve the operations of the Bank
• Proven ability to demonstrate and coach exceptional customer service
• Ability to communicate and function professionally with all levels of personnel and business partners across the organization
• Excellent customer contact skills; comfortable asking questions/ interviewing customers about their financial situation; strong listening skills
• Must stay current on operational, product, and system changes/enhancements, as well as demonstrate good risk management decisions
• Able to take “full ownership” of issues until they are completely resolved

Training and Experience

• Degree in business/finance/economics
• 10+ years relevant work experience with demonstrated track record of loan credit risk and strong workout expertise and experience with high emphasis on transactions
• Prior experience with a community bank
• Must be credit trained
• Required experience related to financially distressed loans; restructuring and workout
• Regulatory remediation experience a plus
• Strong technical/ Windows and Excel computer background
• Demonstrated sales/business development experience and success
• Complete ongoing compliance training