First National Bank Alaska · 1 month ago
Senior Branch Credit Officer
Anchorage, AK, US
Full-time
Onsite
Senior Level, Lead/Staff
8+ years expFirst National Bank Alaska is recognized as the Best Place to Work in Alaska and is seeking a Senior Branch Credit Officer. This role involves providing expert-level credit analysis, portfolio management, and strategic guidance for the Bank’s combined branch lending, ensuring compliance and alignment with the Bank’s risk appetite and strategic goals.
Banking
Responsibilities
Evaluates borrowers’ financials, collateral, cash flow and repayment capacity; identifies key risks; prepares and presents high-level credit analyses for complex and large commercial loans; and provides expert recommendations to senior and executive loan committees for appropriate structures
Oversees and manages the Banks’s BHG loan portfolio, analyzes performance, yield and risk exposure; provides analysis of subcategories of the loan portfolio, branch profitability and other units within the Bank; and recommends strategies to leverage and optimize BHG holdings within the Bank’s overall loan portfolio to achieve diversification and profitability goals
Conducts detailed due diligence, assesses credit quality, pricing and performance on prospective outside loan portfolios, works with lending, accounting and risk management to ensure successful portfolio acquisition and integration; and monitors acquired portfolios to ensure ongoing compliance and performance standards are met
Assists with the evaluation/underwriting of the Bank’s participation loan activities, including partner performance documentation review and adherence to participation agreements; and coordinates with corporate credit officers and credit administration on shared national and multi-bank transactions as needed
Participates in limited business development efforts in coordination with branch lending teams to support relationship growth and loan portfolio expansion; and represents the credit administration function in lender calls and customer meetings when complex financial or structural discussions are required
Ensures adherence to all Bank credit policies, underwriting standards, and regulatory requirements; identifies opportunities to improve credit processes, documentation, and risk analysis methods; and recommends credit policy enhancements to maintain alignment with best practices and regulatory expectations
Collaborates with the Chief Credit Officer/President - Lending & Administration on credit strategy, concentration management, and policy adjustments; monitors branch loan portfolio performance to identify early signs of credit deterioration or concentration risk; and identifies opportunities to improve credit processes, documentation, and risk analysis methods
Works closely with branch lending teams, loan operations, compliance, and executive management to maintain credit quality and process consistency; and provides technical guidance on complex loan structures and regulatory interpretations
Promotes sound credit culture and supports the Bank’s commitment to high quality, relationship-based lending
Performs other work-related duties as assigned by supervisor
Qualification
Required
Bachelor's degree in finance, accounting, business or related field and eight years of progressively responsible experience in commercial credit analysis, underwriting, or credit risk management, or related field; or equivalent combination of education/training and experience
Five years' management experience
Word processing and spreadsheet software experience required
Ability to handle highly confidential information, frequent deadlines, and time constraints required
Ability to read, analyze, and interpret common business journals and technical manuals, financial reports, and legal documents
Ability to respond to common inquiries or complaints from customers, regulatory agencies, or members of the business community
Ability to write reports, business correspondence, and procedure manuals
Ability to clearly communicate both verbally and in writing with customers and all levels of bank employees
Ability to work with mathematical concepts such as probability and statistical inference
Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations
Ability to define problems, collect data, establish facts, assess risk, draw valid conclusions, and make decisions based on those conclusions
Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several variables
Preferred
Master's degree in finance or business administration
Experience with portfolio acquisition, secondary loan markets, or strategic loan portfolio management
Company
First National Bank Alaska
Alaska’s community bank since 1922, First National Bank Alaska proudly provides financial expertise to Alaska and beyond.
501-1000 employees
Funding
Current Stage
Late StageLeadership Team
Ryan Strong
Senior Executive Officer / Chief Banking Officer
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