Credit Risk Manager VP

What You’ll Do

The Credit Risk Manager will manage a team of commercial credit analysts and underwriters who are responsible for the underwriting of real estate, business, and agriculture credit requests and that provide on-going monitoring of a customer’s performance to the documented terms. In addition, the Credit Risk Manager will meet with various business partners on an ongoing basis to ensure that their needs are being addressed and that the Bank’s risk appetite and policies are being upheld.

Responsibilities Include

• Manage and support the team’s activities which include spreading, underwriting, monitoring and reporting.
• Provide consistent and knowledgeable expertise in all lending areas, including real estate, business, and agriculture.
• Work and coordinate with all stakeholders involved in deals which include members from both the 1^st Line of Responsibility and 2^nd Line of Responsibility to ensure deadlines and objectives are met
• Support the Bank’s consistent and efficient usage of its loan origination system (LOS) software
• Ensure ongoing data integrity of loan portfolio information and recommend corrective actions as identified in a timely manner
• Ensure a consistent work product that is without errors or omissions
• Acts as an SME in preparation and implementation of training programs for staff with support of business partners
• Comply with all applicable Banking compliance rules and regulations established by both internal departments and external agencies

What You’ll Need to be Successful

• Analytical Skills – synthesize complex or diverse information; collect and research data; use intuition and experience to complement data; design workflows and procedures
• Problem-solving Skills – identify and resolve problems in a timely manner; gather and analyze information skillfully and develop alternative solutions; work well in group problem-solving situations
• Interpersonal Skills – focus on solving conflict, not blaming; listen to others without interrupting and remain open to their ideas; keep emotions under control and use reason even when dealing with emotional topics
• Oral Communication – speak clearly and persuasively in all situations; respond well to questions; demonstrate group presentation skills and participate in meetings
• Written Communication – write clearly and informatively; able to change writing style to meet needs; present numerical data effectively
• Teamwork – balance team and individual responsibilities; give and welcome feedback; contribute to building a positive team spirit; put success of team above own interests; able to build morale and group commitment to goals and objectives
• Change Management – develop workable implementation plans; communicate changes effectively and overcome resistance; prepare and support those affected by change; monitor transition and evaluate results
• Leadership – exhibit confidence in self and others; inspire and motivate others to perform well; maintain confidentiality; take responsibility for subordinates' activities; work to improve supervisory skills; include staff in planning, decision-making, facilitating and process improvement
• Coaching – provide regular performance feedback and make yourself available to staff; effectively influence actions and opinions of others; support everyone's efforts to succeed
• Ethics – treat people with respect, keep commitments and inspire the trust of others; work ethically and with integrity; uphold Bank’s values
• Organizational Support – adhere to policies and procedures; complete administrative tasks correctly and on time; support Bank’s goals and values; benefit organization through outside activities; support Affirmative Action and respect diversity
• Technical Skills – skilled in using moderate to complex software such as spreading software, integrated loan origination systems, bank core systems, and reporting software
• Compliance – consistently adhere to Bank policies and regulations, reinforce training to ensure that Bank employees are aware of UDAAP and do not harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice

Qualifications

• Bachelor’s degree in accounting, finance or business-related field of study required
• Ten years’ related experience and/or training.
• Experience in C&I, commercial real estate and agricultural lending required
• Experience in loan workouts preferred
• Working knowledge and experience in Loan Origination System software
• Knowledge of credit policy and procedures and loan compliance
• Experience and understanding of the differences between cash, accrual, and tax accounting
• Demonstrated ability to provide excellent service

Why You Should Apply

• Full-time position with excellent compensation and benefits package
• Generous time off programs
• Bonus program
• Profit-sharing
• Discounted stock purchase program
• Excellent growth and development opportunities
• And much more!

Pay Range (Salary): $140,000.00 - $155,000.00/year

The purpose of this job description is to provide a summary of duties related to the position. It is not intended to be all-inclusive. The employee will perform other reasonable business duties as assigned by supervisor or other management.

First Northern Bank does not discriminate based on race, color, religions, sex, gender identity, age, national origin, marital status, pregnancy, disability, or any other protected status.

The duties outlined in this description are subject to modification or change by the organization, at any time, with or without notice.

Salary : $140,000 - $155,000