Credit Manager

Texas Security Bank is an independent bank focused on the success of independent business owners. Most Banks are institutional. We’re entrepreneurial. We were founded in 2008 and have grown to over $1 Billion in total assets. We do more than offer services to customers; we solve problems. We are unique in the banking industry with a mission to ‘Elevate the Champions of Free Enterprise’ and are committed to reinforcing the mission by educating business owners, elevating our customers and the community, and leading through innovation and exemplary customer service.

As an organization that celebrates its wins, we are honored to be named the Dallas Morning News People’s Choice Award for Best Bank in DFW, Dallas Business Journal’s Best Place to Work and have a Net Promoter Score of 87.8 when the banking benchmark average is 30.

The Credit Manager reports to the Chief Credit Officer and works closely with Commercial Banking Analysts and Relationship Managers, and is responsible for underwriting commercial loans, monitoring the bank’s existing loan portfolio, preparing monthly reports for senior management and the board of directors, training new Commercial Banking Analysts and interns, and ensuring compliance with all bank policies and procedures, as well as all applicable state and federal banking regulations.

The Credit Manager’s primary roles and responsibilities include:

• Works with credit staff to ensure consistent application of loan policy and underwriting standards.
• Recommends changes in the loan policy to senior management.
• Provides ongoing training for the credit staff.
• Maintains portfolio tracking, including exception tracking, covenant tracking, and relationship reviews.
• Manages the bank’s field exam and field exam review process.
• Assesses risk ratings of loans at approval and on an ongoing basis.
• Manages the bank’s appraisal review process.
• Engages with auditors and examiners to fulfill audit and regulatory requests.
• Responsible for the bank’s annual CRE stress testing.
• Works on special projects within the department and across the bank.
• Assists Chief Credit Officer with monthly board reporting.
• Assists Chief Credit Officer with the monthly ACL calculation (CECL).
• Underwrites commercial and consumer loans as needed.
• Attends client or prospective client meetings as needed.
• Also serves as Assistant Risk Officer and will be involved in the bank’s risk management and Enterprise Risk Management (ERM) Program

Required Qualifications:

• Bachelor’s degree in accounting, business administration, finance or a similar field and experience underwriting commercial loans.
• 3+ years of credit experience in banking.
• Completion of a formal credit training program
• Passionate about creating a strong credit culture and developing people.
• Strong personal motivation and attention to detail.
• Strong analytical and organizational skills.
• Ability to multi-task and work in a deadline driven environment.
• Ability to work independently and in a team environment.

Preferred Qualifications:

• Strong experience in Commercial Real Estate and workouts is desirable.
• Proven work experience as a credit manager or similar role is a plus.

Why join Texas Security Bank:

We are more than just a Bank. Are you ready to join a team of Champions? Texas Security Bank is proud and honored to be an award-winning organization where our employees serve as brand ambassadors to our customers, our community and each other. The TSB core values; integrity, growth, team players, independent thinking, exemplary customer service, winning, innovation, collaboration, discipline to process and diligence are the principles established that determine how we conduct ourselves and our business decisions.

Texas Security Bank is a place where you will be challenged to excel and given room to grow as a valued part of one of North Texas’ fastest-growing community banks. We are honored to be a Best Workplace by the Dallas Business Journal, the Dallas Morning News, and the Best Workplace Institute. The awards are a reflection of our positive workplace culture and a distinction we are proud to have earned.

We work hard every day to ensure our employees know they are valued and appreciated.

We…