"Republic Bank believes in the development and advancement of our associates. We offer the opportunity to learn all aspects of the company to prepare for future advancement. Come join our team for a career, not just a job!"
Grade 14
About Republic Bank
Republic Bank's values are built upon making an IMPACT for our clients, our associates and the communities we serve. (IMPACT stands for Innovate for the Future, Make it Easy, Provide Exceptional Service, Acknowledge & Celebrate Success, Commit to Caring and Thrive Together) The associates of Republic Bank are the key to our success as an organization and we value our associates. It's one of the reasons we've been named as one of the Best Places to Work in Kentucky for ten years! For more information about the company, please visit www.republicbank.com.
POSITION PURPOSE AND OBJECTIVES
This role is responsible for the oversight and management of credit analysts, including analysis submission, quality, and processes, while maintaining the highest standards expected by Republic with the most efficient use of processes and systems. Additionally, this position must stay current with regulatory requirements and updates specific to asset quality and in areas of compliance which impact this area.
Applicants must be authorized to work for any employer in the U.S. We are unable to sponsor or take over sponsorship of an employment Visa at this time.
MINIMUM QUALIFICATIONS
* Minimum of 7 years of commercial credit analysis experience in the banking industry required.
* Management or leadership of a commercial credit department or commercial credit function or similar background required.
* Demonstrated experience with or strong interest in AI and/or automation tools preferred.
* Proficiency in Microsoft Office products and internet applications.
ESSENTIAL JOB FUNCTIONS AND RESPONSIBILITIES
Description - % of Time Spent
Credit Oversight & Risk Management - 60%
* Manage the commercial loan process as it relates to submission of credit memos to commercial underwriting for decisioning.
* Manage credit analysts producing analysis on the bank's largest exposures, including those requiring Senior Loan Committee, Executive Loan Committee, and Board of Directors approval.
* Work directly with team leads and credit analysts to provide accurate and informative credit analysis to assist underwriters and senior management on credit decisions.
* Confirm completion and adherence to the bank's commercial annual review requirements as outlined in bank policy.
* Ensure development and compliance of department credit analysis policies and operating procedures and communicate policies and procedures to associates.
* Monitors areas of responsibility and implements effective goals and tools to measure success for driving the team effectively, specifically write up quality and turn times.
Systems, Process Improvement & Technology - 40%
* Lead evaluation, piloting, and implementation of the integration of AI and other technology tools into the commercial credit process.
* Oversight of special projects regarding the commercial credit aspect of the commercial loan origination system, which includes direct collaboration with Systems Administration.
* Lead and/or collaborate with Systems Administration to use the commercial loan origination system to make the commercial credit department more efficient without sacrificing write up quality.
* Test all new releases on the commercial loan origination system for items affecting commercial credit.
* Coordinate with Systems Administration to liaison between the Bank and its vendor on all credit related commercial loan origination system items.
SUPERVISOR JOB FUNCTIONS AND RESPONSIBILITIES
* Know compliance responsibilities and particular requirements affecting your area of responsibility, incorporate these requirements into your business processes and procedures, perform ongoing monitoring and periodic self-assessments including reporting and corrective action as needed, and assure appropriate training to associates regarding these responsibilities and procedures.
* Model and foster behaviors that support the Bank's values and corporate culture creating an atmosphere of trust, cooperation, accountability, and dedication to the organization.
* Willingly perform all other duties and projects as assigned.
INTERPERSONAL SKILLS AND COMPETENCIES REQUIRED
* Excellent verbal and written communications skills for effective interactions with Executive Officers, Bank officers, associates, and clients.
* Operates with a builder mindset by identifying gaps, designing solutions, and executing improvements in processes.
* Proficient in computer applications needed in fulfilling job duties.
* Excellent leadership, management and team building skills.
* Ability to analyze issues and situations systematically.
* Ability to organize and prioritize to meet deadlines.
* Detail-oriented with strong organizational skills.
* Self-motivated and works in a team environment.
* Requires a high energy level and strong sense of urgency.
* Ability to recommend practical ways using innovation, good judgment, creativity, and strategic thinking.
PHYSICAL REQUIREMENTS
The physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this position, the associate is regularly required to sit, use hands to finger, handle, or feel; and talk or hear. The associate frequently is required to stand or walk. The associate is occasionally required to reach with hands and arms. The associate must occasionally lift and/or move 10 pounds. Specific vision abilities required by this position include close vision, and distance vision. The noise level in the work environment is usually moderate.
SUPERVISORY RESPONSIBILITIES
This position carries out supervisory responsibilities in accordance with the Bank's guidelines, policies and procedures and all applicable state and federal laws. Responsibilities include interviewing, hiring and the overall development of associates; coaching and mentoring while providing challenging opportunities to enhance career growth; planning, assigning, and directing work; setting expectations and appraising performance; recognizing and rewarding associates or recommending disciplinary action as appropriate; addressing complaints and resolving problems; and helping to build a positive team culture.
OTHER REQUIREMENTS
* Travel between Republic Banking facilities may be required including occasional out of town travel.
* Flexible work schedule may include some evenings, weekends and/or overtime.
* Stay abreast of new developments, best practices, and statutory and regulatory changes.
Republic Bank
Mar 13, 2026