Careers At Axiom Bank
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VP, Senior Credit Officer

Department: Credit Administration
Location: Maitland, FL

At Axiom Bank, you will be part of a diverse team in an environment that promotes collaboration, accountability, respect, and high ethical standards. We encourage you to aim for the sky and leverage your expertise and passion to excel. You’ll also have opportunities to help improve the communities we have been serving since 1963. Axiom Bank is a growing, dynamic organization – this is an exciting time to get on board!

General Responsibilities

The incumbent has responsibility across all loan and credit risk portfolios including (1) the management, supervision and direction of all credit underwriting activities, (2) development and annual review of credit policies and procedures, (3) portfolio credit risk measurement, management and reporting (4) the quality of reporting and approval processes.

Key Responsibilities and Accountabilities

The VP Senior Credit Officer’s Key Accountabilities include, but are not limited to the following:

  • Manages the credit analytical function in support of the commercial portfolio including: timely development of new loan proposals, annual or more frequent internal loan reviews, and monitoring of risk ratings, exceptions, and covenants compliance.
  • Ensures reporting data integrity, in particular the monthly confirmation of risk ratings for internal and external reporting purposes.
  • Provides for stress testing within the bank's portfolio segments which are sensitive to changing market conditions in concert with senior management and/or regulatory defined “what if” scenarios.
  • Keeps management informed of any material issues affecting the loan portfolios, loan policies and unusual individual loan transactions of significant size or risk.
  • Provides for the development of revisions of policies, procedures and agreements to ensure compliance with the regulatory guidance.
  • Ensures that deviations from policy are identified, reported, and approved or corrected.
  • Coordinates materials and scheduling of Officers’ Credit Committee meetings and compiles minutes.
  • Coordinates materials for Board Credit Committee meetings.
  • Provides advice and guidance to lending management and staff. Consults with lending personnel as to risk on complex or unusual loan requests.
  • Works in concert with the Chief Credit Officer regarding examination of lending practices and policies for compliance with regulations.
  • Resolves credit policy issues identified internally or by regulators by coordinating due diligence efforts with line of business managers.
  • Supervises loan reviews and monitors collection of financial statements.

Supervision of Personnel

  • Credit Analyst(s) & Commercial Credit Specialist

Working Conditions

  • This position is performed in a regular office work environment, including ability to lift and carry files of up to 10 lbs. Extensive use of computer terminal and keyboard. The incumbent will be expected to be able to work Monday through Friday and work will mainly be performed at the Maitland location; occasional evening and weekend work may be required. Flexibility with work location and hours may be granted if circumstances permit.

Travel

  •  None 

Qualifications Summary

Education

  • Bachelor’s degree in Finance, Accounting, or Business related program.

Experience

  • Minimum of 10+ years of banking with a minimum of 3 years credit and credit managerial experience in policy, analysis, loss mitigation/workout, loan servicing and regulatory compliance.

Knowledge & Skills:

  • Strong analytical and presentation skills, strong managerial skills, team oriented.
  • Detail orientation.
  • Ability to set and adjust priorities as needed to meet critical deadlines.
  • Proficiency in financial statement/credit analysis.
  • Proficient in Word, Excel, Outlook, and financial analysis software.           

Other Duties - Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.

(Reasonable accommodations may be made to enable individuals with disabilities to perform these tasks. If you need an accommodation, please contact us at hr@axiombanking.com)

Supporting communities. Improving lives. Working together toward your future.  

At Axiom Bank® we believe in working together for a brighter future. Through our environment of collaboration and camaraderie, we offer a uniquely fun and rewarding place to develop your career. Axiom Bank is headquartered in Central Florida and has 24 branch locations, with 22 branches located inside select Walmart Supercenters®.

Working in our Branches: Our innovative in-store branch model makes working at Axiom Bank unlike any other traditional banking institution. Set in a retail environment, our bankers are empowered to engage with customers, developing relationships that improve lives and strengthen communities.   

We believe in the value of promoting a healthy work/life balance and are committed to recognizing the role everyone plays in our ongoing success through competitive benefits, as well as the guidance you need to learn new skills and shape our business and future. We proudly offer the following benefits to our Full Time Employees:

  • 11 Paid Holidays
  • Generous Paid Time Off
  • Matching 401(k)
  • Medical, Dental and Vision Benefits
  • Company Paid Life, AD&D Insurance, Plus 100% Company Paid Short and Long Term Disability

In order to provide equal employment and advancement opportunities to all individuals, employment decisions at Axiom Bank are based on merit, qualifications, and abilities. Axiom Bank does not discriminate in employment opportunities or practices on the basis of race, color, religion, sex, national origin, age, disability, sexual orientation, gender identity, genetic information, protected Veteran status, or any other characteristic protected by law.

Legal authorization to work in the US is required.  We will not sponsor individuals for employment visas, now or in the future, for this job opening.

Axiom Bank will make reasonable accommodations for qualified individuals with known disabilities unless doing so would result in an undue hardship.

It is the policy of Axiom Bank to conduct background, credit reference and drug screening tests as a condition of employment. Drug Free Workplace. EOE/AA/Minority, Female, Disabled, Veteran.

Eligibility Requirements:

All applications for employment must be submitted through the Axiom Bank Job board,  https://axiombanking.com to be considered.

  • You must be 18 years or older
  • You must have a high school diploma or equivalent
  • You must be willing to take a drug test and submit to a background investigation as part of the selection process

If currently an Axiom Bank employee, you must have been in your current position for a minimum of 1 year, have at least a "consistently meets expectations" performance rating and have the approval of your manager to post or the approval of your manager and HR to apply if you don't meet the time-in-job performance requirement.  

Axiom Bank is not seeking assistance or accepting unsolicited resumes from search firms for employment or contractor opportunities. All resumes submitted by search firms to any employee at Axiom Bank via e-mail, the Internet, or directly to hiring managers in any form without valid written search agreement executed by an Authorized Officer at Axiom Bank for that specific position will be deemed the sole property of Axiom Bank and no fee will be paid in the event the candidate is hired as a result of the referral or through other means. 

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