Coastal States Bank · 2 days ago
Regional Credit Officer
Mount Pleasant, SC
Full-time
Onsite
Mid, Senior Level
5+ years expCoastal States Bank is committed to building strong relationships and serving their clients and communities. The Regional Credit Officer is responsible for coordinating lending activities, analyzing financials, and overseeing credit risk management while ensuring compliance with lending laws and internal policies.
BankingFinanceFinancial Services
Responsibilities
Collaborate with Relationship Managers in credit structing and understanding client’s loan request. Work with Relationship Managers in obtaining necessary information (financials and/or relative documents) to underwrite credit requests
Attend periodic calls with existing and potential borrowers that support the strategic growth plans of the assigned region
Perform due diligence of loan requests once information is received. Identify and mitigate risks within the approval process. Assess credit risk ratings on new and existing relationships
Decision credits within delegated lending authority and make recommendations when requests are outside of delegated authority
Maintain strong understanding of CSB lending policies as well as regulatory requirements to ensure credit requests comply and/or reasonable exceptions are clearly documented and mitigated
To assess and determine the quality and adequacy of collateral and capital (equity) through the review of appraisals, evaluations, environmental reports, inspection reports, condition reports, market reports, purchase invoices and other collateral information based on the bank’s loan policies and underwriting guidelines
Participate in quarterly watchlist calls with recommendations for problem resolution strategy for borrowers in assigned region
Identify training needs and process improvements within the credit department
Contribute to the bank team effort by working on special projects and reports, performing other job-related duties, at the discretion of the Supervisor
Qualification
Required
Proven track record of success in lending activities
Experience in analyzing financials and understanding client performance
Knowledge of client creditworthiness and risk assessment
Ability to oversee credit risk management functions
Experience ensuring compliance with lending laws and internal policies
Ability to advise senior management and local lending staff on credit risk
Experience leading compliance, audit, and regulatory relations
Ability to manage loan administration and the credit granting process
Strong understanding of lending policies and regulatory requirements
Ability to assess and determine the quality and adequacy of collateral and capital
Experience in performing due diligence of loan requests
Ability to identify and mitigate risks within the approval process
Experience in decision-making within delegated lending authority
Ability to maintain strong relationships with Relationship Managers
Experience in identifying training needs and process improvements
Benefits
401(k) matching
Dental insurance
Dependent care reimbursement
Disability insurance
Flexible spending account
Health savings account
Life insurance
Medical insurance
Paid holidays
Paid time off
Paid parental leave
Prescription drug insurance
Vision insurance
Wellness program
Company
Coastal States Bank
Coastal States Bank offers financial resources to help its clients achieve their goals.
Founded in 2004Hilton Head Island, South Carolina, USA
51-200 employees
Funding
Current Stage
Public CompanyTotal Funding
$56M2024-01-26Post Ipo Equity· $12M
2023-04-02Post Ipo Equity· $9M
2020-09-09Post Ipo Debt· $15M
Leadership Team
Tony Valduga
CFO / COO
Tom Drago
Senior Vice President- Chief Compliance Officer
Recent News
2026-01-19
Company data provided by crunchbase