Associate Credit Officer

Job Description

Job Description

First Merchants Bank is seeking an Associate 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 :

• 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
• Under the direction of the RCCO, assist or run Region Watch List Committee meetings as designated.
• 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 three (3) 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!