Senior Credit Manager

Position Overview

We are seeking an experienced Senior Credit Manager to oversee the organization’s credit risk strategy while supporting lending goals. This role involves developing robust credit policies, conducting in-depth credit analyses, and leading a team to optimize loan performance and compliance.

Responsibilities:

• Strategic Leadership & Policy Development
• Formulate and implement credit policies and procedures aligned with organizational risk appetite and lending objectives
• Analyze market trends, economic conditions, and industry factors to identify risks and opportunities within the credit portfolio
• Partner with senior management to set credit limits, guidelines, and performance metrics, ensuring strategic alignment
• Credit Assessment & Portfolio Oversight
• Execute thorough credit assessment and underwriting processes for loan applications, ensuring due diligence and policy compliance
• Monitor portfolio performance, reviewing delinquency rates, charge-offs, and key indicators to refine strategies
• Collaborate with sales and relationship teams to structure loan proposals that meet credit standards and client needs
• Team Management & Operational Efficiency
• Supervise a team of 5 (including Senior Credit Analyst and Corporate Banking Analyst), managing workflow and ensuring timely loan decisions
• Oversee daily operations, conduct audits to improve department and team performance, and drive process enhancements
• Manage relationships with internal units (e.g., Lending, Compliance) and external stakeholders (e.g., Customers, Regulators) for loan origination, closing, and compliance
• Financial Reporting & Compliance
• Conduct monthly and quarterly financial reviews, including budget comparisons, proforma analyses, and investment reports
• Ensure adherence to loan documents, servicing agreements, and regulatory requirements, overseeing I-9 audits and budget compliance
• Deliver strategic reports to senior management and facilitate external audits, maintaining satisfactory compliance results

Qualifications

• Bachelor’s degree in Finance, Economics, Business Administration, or related field (MBA or advanced certification like CFA/CPA preferred)
• 8 years of experience in credit risk management, with leadership roles in financial services
• Strong expertise in credit analysis, risk assessment, and regulatory compliance
• Proven team leadership and strategic initiative skills, with excellent analytical and communication abilities
• Proficiency in Encompass, Moody's Jack Henry (intermediate); fluent in English (Spanish preferred, intermediate)