Credit Officer

First Merchants Bank is seeking a Credit Officer to join our team! This position will assist in the implementation and recommendation of policies and procedures for proper management of portfolio risk and concentration management, credit risk assessment and monitoring, and special assets management.

As part of this role you will :

• Act as Chair to the Regional or Line of Business Loan Committee, as designated.
• Act as the Chair to the Regional Special Assets and Watch Committees, as designated.
• Act as a member of a Line of Business Loan Committee, as designated.
• Complete additional tasks, including approving Environmental Due Diligence Checklists, construction draws, and administrative renewals.
• Work with the RCCO to oversee the standard credit processes, procedures, and policies while maintaining timely and accurate grading of the commercial credit portfolio.
• Member of the Regional or Line of Business and Regional Special Assets Loan Committees as designated.
• Communicate material asset quality concerns and / or issues to the Regional Chief Credit Officer.
• Prepare regional or line of business migration reporting of commercial credit portfolio asset quality including grading, impairment, non-accrual, and charge-off recognition.
• Monitor and manage regional or line of business delinquency status, construction loan status, borrowing base reporting, marketable security reporting, and loan covenant compliance.
• Ensure regional or line of business adherence to corporate concentration limits and thresholds.
• Ensure the timely completion of Annual Credit Reviews
• With the approval of the RCCO, respond to audit, loan review, FDIC, and other internal and external examining bodies.
• Complete compliance and other assigned training.
• Participate as a member of business management team.
• Organize and assist the Regional Chief Credit Officer with meetings, including the establishment of agenda items, materials, and meeting preparation.

In order to be successful in this position, we require the following :

• Bachelor's degree in accounting, finance, business or related field.
• A minimum of six (6) years of commercial credit or related experience.

The following would be a plus :

Master's degree in accounting, finance, business or related field.

First Merchants offers the following :

• Base Pay PLUS Bonuses
• Medical, Dental and Vision Insurance
• 401k
• Health Savings and Flexible Spending Accounts
• Vacation / Sick Time
• Paid Holidays
• Paid Parental Leave
• Tuition Reimbursement
• Additional Benefits

A little about us :

First Merchants is guided by a genuine philosophy of being a meaningful place to work and having a prosperous impact across all walks of life throughout the communities we serve, including consumers, businesses and other organizations.

Our Vision, Mission and Team statement reflect and reinforce that authentic service philosophy.

Our Vision is :

To enhance the financial wellness of the diverse communities we serve.

Our Mission is :

To be the most responsive, knowledgeable, and high-performing financial organization for our clients, teammates, and shareholders.

Our Team :

We are a collection of dynamic colleagues with diverse experiences and perspectives who share a passion for positively impacting lives.

We are genuinely committed to attracting and engaging teammates of diverse backgrounds. We believe in the power of inclusion and belonging."

Apply today to begin your career with us!

Equal Opportunity Employer / Protected Veterans / Individuals with Disabilities

The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant.

However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees 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 the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)