What are the responsibilities and job description for the Credit Officer position at F&M Trust?
ABOUT THE ROLE
F&M Trust is excited to announce the addition of a Credit Officer position to meet the growing needs of the bank. Reporting directly to the Chief Credit Officer, this individual will be responsible for promoting and maintaining the overall quality of the Bank's loan portfolio. This individual will provide guidance to the credit team, approve commercial and retail (consumer and residential mortgage) loans according to credit policy, assist in developing credit policies and procedures to comply with regulations and align with the Bank's risk appetite and strategic goals, govern and enforce underwriting standards, serve as a resource to Credit Recovery team in managing workouts and liquidations, participate in a variety of committees and serve as chairperson for multiple committees in absence of Chief Credit Officer, and more.
The home office location for this individual will be at the Bank's corporate headquarters located at 1500 Nitterhouse Drive, Chambersburg, PA, or the Bank's regional headquarters located at 4050 Crums Mill Road, Harrisburg, PA.
This role comes with a salary commensurate on experience and a comprehensive benefits package.
COMPREHENSIVE BENEFITS INCLUDE
- Medical, Dental, and Vision Insurance
- Pay-for-Performance (Bonus) Earning Potential
- Generous Paid Time Off Schedule and 11 Paid Bank Holidays
- 401(k) with up to a 6% Match
- Paid Life Insurance, Short-term Disability, and Long-term Disability
- And much more!
MINIMUM QUALIFICATIONS
- Must have specific credit officer work experience or experience in originating or underwriting commercial loans.
- Bachelor's degree in a related field is preferred; or equivalent combination of education and specialized banking/corporate experience related to credit risk and underwriting.
- Excellent communication and interpersonal skills.
- Ability to think strategically.
- Above average organizational and analytical skills.
- Ability to make the right, and sometimes tough, decisions.
- Strong negotiation skills.
- Proficient with Microsoft Word and Excel.
- Valid driver's license.
If this position raises any interest, and you have the minimum experience and drive to promote and maintain a bank's loan portfolio quality, we encourage you to complete an employment application. We'll be in contact with the most-qualified applicants who meet our hiring criteria in the upcoming weeks to begin interviews.
COMPARABLE JOB TITLES
To help our job title resonate with you, other financial institutions may title their positions like the following: Commercial Credit Analyst, Commercial Lender, Commercial Relationship Manager, Credit Underwriter, Financial Analyst, Risk Analyst, or Senior Credit Analyst.
F&M Trust is an Equal Opportunity Employer - M/F/Disability/Vet/SO
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