Senior Commercial Credit Officer

Sr Credit Officer - CommercialThe Sr Credit Officer – Commercial executes consistent, well documented, prudent lending decisions, and accurately closes and manages the resulting credit exposure, all in accordance with the policies and practices of the Bank. This position will be the primary Credit Officer for the Bank's Commercial Lending, Municipal Lending, and Small Business Administration (SBA) divisions.Key Responsibilities and Duties

Direct responsibility for managing a team of underwriters tasked with underwriting and closing a significant volume of new commercial loans per year.

Direct responsibilities may also include managing a team of portfolio managers tasked with servicing certain commercial portfolios.

Provides guidance and direction to the underwriters, portfolio managers, analysts, and loan closing personnel.

Ensures policy and guideline exceptions associated with new loan decisions are appropriately noted and mitigated.

Ensures loan performance, including any covenants are monitored in a timely manner, and appropriately reflected in the loan servicing documentation and loan risk rating.

Provides input on new credit products and author associated policies and procedures to support these new products.

Periodically reviews all policies, procedures, and guidelines applicable to the Commercial Banking division, and refines as needed.

Maintains strong awareness of industry issues, technology applications, regulatory expectations, secondary market practices, and legal developments that impact commercial lending institutions.

Maintains strong working relationships with key executives including commercial operations unit heads and sales managers.

Educational Requirements

University (Degree) Preferred

Work Experience

8+ Years Required; 10+ Years Preferred

Physical Requirements

Physical Requirements: Sedentary Work

Career Level10PLPreferred Qualifications

20+ years of banking experience with 10+ years specifically in commercial credit.

5+ years of SBA Lending and/or Public Finance

Direct experience building a commercial credit team from the ground up.

Agriculture Lending experience

Significant delegated credit authority ($10+ million)

Hybrid work is a minimum of four days a week, one flexible day for remote work.Posting End Date: 4/1/24#LI-AF1Company SummaryEverBank provides nationwide banking services to consumer and commercial clients through a variety of channels, including online and mobile applications, as well as its Florida-based financial centers.Benefits SummaryEverBank is committed to the well-being of its associates. That's why we offer a comprehensive Total Rewards package commensurate with the position and job-related qualifications, skills and knowledge. EverBank strives to pay wages competitive with those prevailing in our geographic areas and industry.EverBank's Total Rewards package includes superior benefits such as, health, wellness and work life offerings that can help you achieve and maintain your best possible physical, emotional and financial well-being.EverBank prohibits pay discrimination on the basis of any protected characteristic.Pay Range $195,200 to $264,200EEO StatementEverBank, N.A. is an equal opportunity (EEO) employer, dedicated to maintaining a work environment free of bias, harassment, discrimination and retaliation. As an EEO employer, EverBank expressly prohibits discrimination, harassment and retaliation based on protected characteristics such as race, creed, ethnicity, color, age, religion, sex, sex stereotype, pregnancy, sexual orientation, gender, gender identity, gender expression, transgender status, marital status, national origin, ancestry, physical or mental disability, genetic history and information, or military or veteran status. Providing a safe, inclusive environment is a priority at EverBank and, consistent with that mission, EverBank considers all qualified applicants for employment regardless of protected status.We will not discharge or in any other manner discriminate against associates or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another associate or applicant. However, associates who have access to the compensation information of other associates or applicants as a part of their essential job functions cannot disclose the pay of other associates or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by us, or (c) consistent with our legal duty to furnish information.Machine Readable FilesThe Transparency in Coverage Final Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). The MRFs for the benefit package options under are linked below:Machine Readable Files (MRFs) - Aetna