JOB RESPONSBILITIES:
- ~Work directly with specifically identified problem loan relationships as relationship officer to develop and implement exit or retention strategies aimed at improving bank’s collateral position and maximize bank’s return.
- ~Provide expertise in problem loan resolution and provide leadership, knowledge and support to the Relationship Managers and other lending and credit administration personnel. Once a problem is detected, work directly with Relationship Manager and/or Credit Officer/Analyst to fully analyze the credit, including risk exposure and loss estimates, borrower’s financial condition, reason for default, willingness and ability to repay, alternate sources of repayment, underlying collateral value and market conditions.
- ~Based on analysis, determine and implement appropriate work out strategy, which may include loan modification, discounted payoff/settlement, forbearance, foreclosure and/or rights enforcement/bankruptcy.
- ~Develop and implement corresponding action plans, track progress and report results.
- ~Manage the bank’s OREO portfolio including securing the bank’s interest in the property; protecting, maintaining and enhancing the value of the asset; preparing plans and budgets for the management of each property; and ultimately liquidating the property at the highest possible value.
- ~Develop and maintain a personal program for maintaining an adequate level of knowledge in banking and management, and demonstrate personal and interpersonal behavior, attitude, judgment, communication and initiative with customers and employees in order to ensure an acceptable degree of performance.
BENEFITS: Comprehensive benefit package to include:
- ~Health, dental, and vision benefits
- ~401k w/ company match
- ~Paid time off; paid holidays
- ~Group and voluntary life insurance and disability insurance
- ~Aflac supplemental plans
- ~Employee Assistance Program
First Citizens Community Bank is an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sexual orientation, gender identity, national origin, disability, protected veteran status, or any other legally protected status or characteristic.
