Commercial Credit Department Manager

DUTIES AND RESPONSIBILITIES :

• Supervise all functions of the Credit Department and Analysts.
• Help integrate the First Federal Bank Credit Department by reviewing practices, procedures and forms and picking the best ones for future use.
• Recommend when to hire new credit analysts and hiring qualified candidates.
• Review, analyze and complete annual reviews.  Review analyst’s work on new loans for accuracy and completeness.
• Review and approve credit requests within the bank’s approval guidelines.
• Delegate tracking, monitoring and reporting of all annual reviews and financial statements for all relationships including SBA over $750,000.
• Insure that credit analysts address all the underwriting issues adequately and that the strengths and weaknesses are accurately portrayed.
• Trains personnel to produce high quality annual reviews and credit memos / requests.
• Trains personnel in accurately spreading financial statements and financial analysis of many industry types.
• Recommends Credit Analysts for various training programs such as RMA and other vendors.
• Works with Credit Analysts to insure that all relationships have been assigned an accurate Risk Rating.
• Works with nCino techs to help improve the nCino interface and develop forms, processes and procedures that improve efficiency and the overall program.

SUPERVISORY RESPONSIBILITIES :

JOB REQUIREMENTS :

Extensive knowledge of financial institution policies and procedures.  Excellent written and verbal communication skills.  Strong financial analytical capabilities.  Four-year college degree preferred with business related major.  Previous experience with commercial and commercial real estate transactions.  Ability to deal with time constraints and strong attention to detail.  Extended hours sitting and performing computer tasks may be required.

Bilingual candidates encouraged to apply.

Equal Opportunity Employer / Vet / Disability

E-Verify Employer

Salary : $750,000