Credit Risk Manager

Bonus Type

Summary

If you are interested in a career in Commercial Credit with an industry-leading provider of sophisticated financial solutions, you've come to the right place.  Our commitment to you is a positive work environment, a deep connection to our communities, and a focus on putting our clients first.  We believe no challenge is too big, and no opportunity is too small when we work together to build relationships.

Job Description

The Credit Risk Manager- Commercial is primarily responsible for providing advice and counsel on proper loan structure and underwriting due diligence to Commercial Banking Managers and account officers in all markets. Another key responsibility is to review and approve loan requests within the position’s established loan authority, and to lead the approval review process for requests that exceed this authority.  Responsibility also includes the management and coaching of direct reports within the underwriting team on education, training, and qualitative performance deliverables.

Team Culture

Collaboration is the key to success with this fast-paced team. While each person holds an area of expertise, we all lean in to support the customer. Through weekly meetings, group huddles, and 1x1 peer training, everyone is given the opportunity to brainstorm, ask questions, and find solutions. We support and lift one another up to achieve more together.

How You'll Spend Your Time

• You will evaluate and approve Commercial Banking loan requests for relationships within the established loan authority for the position.
• You will lead the approval review process for larger requests that exceed the position’s established loan authority.
• You will provide advice and guidance to Commercial Relationship Managers and leadership on both existing and new loan requests, including the most complex loans.
• You will advise on collateral considerations, loan covenants, and recommend enhancements as necessary to promote credit quality.
• You will review alternative loan requests as delegated by the Sr. Credit Risk Manager and assist with other strategic projects as assigned.
• You will coordinate and help develop the processes and procedures for the operations and control of the Commercial Bank lending functions.
• You will help shape the credit team’s desired culture and hold team members accountable for meeting established performance standards.
• You will recommend enhancements to and ensure adherence to Commercial Bank underwriting guidelines, processes, and procedures.
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Education & Experience Requirements

This level of knowledge is normally acquired through completion of a Bachelor’s Degree in Finance or Accounting and 10+ years of commercial and/or private banking lending and underwriting in a centralized underwriting environment; 5+ years of loan approval experience in commercial lending; or 16+ years of equivalent work related experience.

MBA in Finance or Accounting preferred, but not required when work experience mitigates such.

Working Conditions & Physical Requirements