What are the responsibilities and job description for the Credit Risk Manager position at MRISpokane?
Credit Risk Manager VP
Department: Credit Administration
Location: Sacramento, CA
What Youll Do
The Credit Risk Manager leads a team of commercial credit analysts and underwriters responsible for underwriting real estate, business, and agricultural credit requests, as well as monitoring ongoing customer performance to ensure compliance with loan terms. This role collaborates with various business partners to address their needs while maintaining adherence to the organizations risk appetite and policies.
Key Responsibilities:
Skills Competencies:
Department: Credit Administration
Location: Sacramento, CA
What Youll Do
The Credit Risk Manager leads a team of commercial credit analysts and underwriters responsible for underwriting real estate, business, and agricultural credit requests, as well as monitoring ongoing customer performance to ensure compliance with loan terms. This role collaborates with various business partners to address their needs while maintaining adherence to the organizations risk appetite and policies.
Key Responsibilities:
- Manage and support the teams activities, including financial analysis, underwriting, monitoring, and reporting.
- Provide expert guidance across all lending areas, including real estate, business, and agriculture.
- Coordinate with stakeholders from both the first and second lines of responsibility to ensure deadlines and objectives are met.
- Support the efficient and consistent use of loan origination system (LOS) software.
- Ensure data integrity within the loan portfolio and recommend corrective actions when needed.
- Maintain accuracy and consistency in credit risk assessments and underwriting documentation.
- Act as a subject matter expert in the development and implementation of training programs.
- Ensure compliance with all applicable banking regulations and internal policies.
Skills Competencies:
- Analytical Thinking: Ability to interpret complex financial data, conduct research, and apply insights effectively.
- Problem-Solving: Skilled in identifying and resolving issues, analyzing alternatives, and working collaboratively on solutions.
- Interpersonal Skills: Ability to manage conflict constructively, actively listen, and engage with diverse perspectives.
- Communication: Strong verbal and written communication skills, including presentation abilities.
- Teamwork Leadership: Ability to foster collaboration, motivate teams, and balance individual and group responsibilities.
- Change Management: Capable of implementing and communicating changes effectively while supporting transition efforts.
- Coaching Development: Provide regular feedback and mentorship, supporting staff in their professional growth.
- Ethics Integrity: Uphold high ethical standards, inspire trust, and maintain confidentiality.
- Technical Proficiency: Experience using financial analysis tools, loan origination systems, core banking platforms, and reporting software.
- Regulatory Compliance: Strong understanding of banking policies, regulations, and consumer protection laws.
- Bachelors degree in accounting, finance, business, or a related field.
- Minimum of 10 years of experience in credit risk management, including commercial and agricultural lending.
- Expertise in CI, commercial real estate, and agricultural lending.
- Experience in loan workouts preferred.
- Proficiency in loan origination system software and credit policy procedures.
- Strong knowledge of financial statements, including cash, accrual, and tax accounting.
- Demonstrated commitment to providing excellent service and maintaining strong customer relationships.
- Competitive salary and benefits package
- Generous time-off programs
- Bonus and profit-sharing opportunities
- Employee stock purchase program
- Career growth and development opportunities
- Supportive and inclusive work environment
