Senior Credit Officer

A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Officer to join our team. We believe that our ongoing success depends upon a skilled, satisfied, and valued work force. As a member of our team, you can expect opportunities to develop your skills to help you excel in your role and achieve your professional career goals. We offer a comprehensive range of flexible benefits to support your personal and financial well-being. Our inclusive culture encourages all employees to share ideas, collaborate, and contribute to the values that make us a winning team for our customers, shareholders, and communities. We are committed to diversity, equity, and inclusion. People from underrepresented communities, Veterans, individuals with disabilities, and bilingual candidates are strongly encouraged to apply.

Position OverviewA Senior Credit Officer is responsible for leading the credit management process for a designated cohort of commercial loan officers. This includes credit screening, underwriting and evaluation of new loans, as well as monitoring of the existing portfolio including ensuring risk rating accuracy and completion of annual reviews and renewals. This individual is a key participant on the Banks loan approval committee. A Senior Credit Officer will also advise senior management on appropriate credit risk appetite based on market data, including a general macroeconomic outlook and banking sector-specific risks. Depending upon Bank needs and Senior Credit Officer experience, this individual may be responsible for other areas of Credit Administration and may supervise other Credit Administration staff.

Essential Duties and ResponsibilitiesReviews credit packages, assists in structuring, and decisions requests for existing borrowers and prospects. Provides recommendations and feedback to the line teams regarding specific loan requests as well as overall portfolio management. Evaluates existing borrower and prospective credit requests within established standards.

Approves loans up to assigned lending authority.

Provides coaching, mentoring, and training to portfolio managers and credit analysts throughout the credit approval process. Assists senior management in the evaluation of the line personnel and helps to identify training needs.

Contributes to the development and maintenance of Mid Penn Banks credit culture.

Performs other related duties and special projects as assigned.

Ensures that analyses accurately present credit risks, policy exceptions, regulatory compliance, and appropriate risk rating.

Ensures all asset quality objectives are met and processes and procedures are in compliance with the companys policies, practices, and regulatory requirements. Communicates results and any potential issues to both line and credit leadership.

Helps manage existing portfolio relationships within established risk parameters and servicing requirements including monitoring loan officer completion of annual reviews and renewals.

Participates in internal loan review, audit, and regulator examinations, and reporting of asset quality indicators to top management.

Responds to inquiries relating to his/her particular area, or to requests from other personnel, customers, etc., within given time frames and within established policy.

Communicates with management and staff personnel in order to integrate goals and activities.

Coordinates specific work tasks with other personnel within the department as well as with other departments in order to ensure the smooth and efficient flow of information.

Allocates division resources, e.g., human, financial, etc., toward tasks required to achieve goals and objectives.

Directs, through appropriate management and supervisory personnel, day-to-day activities in support of the divisional objectives.

Measures effectiveness and performance of the systems and people.

Assists in the development of the annual budget and adheres to budget parameters.

Demonstrates high standards of integrity, honesty, and fairness. Role models attitudes and behaviors consistent with organizational values and expectations; demonstrates and promotes Unwavering Service Standards.

Is present and available to employees; interacts with employees in a way that fosters employee engagement.

Supports and applies organizational practices and policies in a fair and professional manner.

Communicates expectations and provides feedback to ensure the best results; creates an atmosphere where communication is encouraged. Supervises assigned employees (if applicable). Performs tasks, which are supportive in nature to the essential functions of the job, but which may be altered or re-designed depending upon individual circumstances. Education & QualificationsMinimum of 10 + years related experience in credit administration, analysis and risk mitigation with credit approval and supervisory experience and expertise in C&I, Commercial Real Estate, Construction, and loan portfolio management.

Thorough comprehension of credit risk management, credit administration, and loan underwriting. Ability to effectively interact with customers, employees, regulators, and outside third parties.

An overall understanding of bank management and operations, to enhance cross-functional achievement of goals.

Strong analytical and problem-solving skills.

Excellent written and oral communication skillsKnowledge of and comfort with technology as both an emerging delivery channel and a communications tool, this includes an understanding of data analytics, credit & risk scoring models as relating to the credit process innovation.

Bachelors degree required.

Skill(s)Proficient reading, writing, grammar, and mathematics skills; proficient interpersonal relations and communicative skills; a working knowledge of all loans, principles, policies, and practices; a thorough knowledge of financial statement analysis; knowledge of current lending and collection laws and regulations; demonstrated management and supervisory skills; ability to sit, stand, walk, bend, stoop, reach with hands or arms, use hands to manipulate objects, handle or feel, and lift items weighing 20 lbs. or less; visual, auditory and speaking skills; valid drivers license is required.

Pay TransparencyWe set standard salary ranges for our roles based on the position, function, and responsibilities, as benchmarked against similarly sized companies in our industry. Specific compensation offered will be determined based on a combination of factors including the candidates knowledge, skills, depth of work experience, and relevant licenses/credentials. The salary range may vary based on geographic location.

BenefitsMid Penn Bank offers a comprehensive benefits package to those who qualify. This includes medical plans with prescription drug coverage; flexible spending account, dental and vision insurance; life insurance; 401(k) program with employer match and employee stock purchase plan; paid time off, paid holidays; disability insurance coverage, parental leave; employee assistance program, and tuition reimbursement.

In addition, all employees are eligible to participate in mentorship programs, receive individualized development and career counseling, and participate in Mid Penn University courses and development programs.

EEO StatementQualified applicants are considered without regard to race, color, age, sex, sexual orientation, gender identity, religion, national origin, genetic information, pregnancy, disability, or protected veteran status. We also comply with all applicable laws governing employment practices and do not discriminate on the basis of any unlawful criteria.

Equal Opportunity EmployerMinorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender IdentitySponsorship StatementAs a condition of employment, individuals must be authorized to work in the United States without sponsorship for a work visa by Mid Penn Bank currently or in the future.