Credit Manager

About The Role

Responsible for managing the credit quality of the commercial and consumer loan portfolio. Must be knowledgeable about the market and have the ability to analyze financial statements ranging from a variety of business and industry types with the experience to provide banking solutions. Candidate must have the ability to assist lending departments with overall bank goals to include but not limited to policy compliance, underwriting structure and pricing, and credit presentations.

This role will provide oversight and leadership for the credit analysts and others as assigned and monitor processes for continuous improvement, efficacy, and compliance with applicable regulations, with a heavy focus on loan quality control objectives that are consistent with the bank's goals. Candidate works to manage various projects to assist with the overall credit quality of the loan portfolio with emphasis on an adherence to policy and procedure.

Will have extensive contact with customers, vendors, the general public, and bank staff and will interact in a professional and courteous manner and conduct him/herself in such relationships in a manner that will enhance the overall efficiency and image of the bank.

• Work closely with and provide direct support to the Chief Credit Officer (CCO) on credit administration priorities.
• Review credit requests/authorizations with emphasis on sound structure, policy compliance, documentation expectations, and regulatory alignment; provide feedback to the CCO.
• Attend loan committee as required and provide informed structural/risk feedback.
• Keep current on lending regulations, documentation, programs, and internal policies; provide ongoing recommendations to strengthen policy/procedure.

• Coordinate and provide leadership on Quality Control functions, annual loan reviews, problem loan reporting, semi-annual construction reporting, and other credit administration reporting as assigned.
• Own/oversee loan quality assurance processes, tickler/covenant tracking expectations, and report accuracy/timeliness.
• Identify trends, emerging risks, and process gaps; recommend and help implement corrective actions that improve outcomes and exam readiness.

• Identify and recommend improvements that increase underwriting efficiency while maintaining strong credit quality and adherence to policy/procedure.
• Conduct commercial loan file reviews as needed to validate policy compliance and documentation quality.
• Support training for commercial lending functions (credit fundamentals, policy standards, memo quality, and structural best practices).

• Work closely with leaders and teams across Commercial, Consumer, Construction, Loan Operations, Appraisal, and Special Assets to support consistent credit practices and clear handoffs.
• Work with Special Assets department; support past‑due strategy and restructures as needed.
• Interface with loan review, regulators, compliance, and auditors as required or directed.

Employees are required to actively use the Service Pledge in all customer encounters. Service Pledge:

• Smile
• Eye Contact
• Refer to Customer by name
• Viable Options
• Instant Acknowledgement
• Customers Always Come First
• End with "Thank you"

• Participate in required training, staff meetings, and lobby displays.
• Participate in Community Service and Bank-sponsored activities that serve and support the mission and values of First Security Bank.
• Provide superior internal and external customer service: must demonstrate self‑governance, courtesy and respect toward external customers as well as internal customers (all organization personnel).
• Complete required bank training courses within assigned time frame(s).
• Must comply with all company policies and procedures and all applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control. Must complete the assigned online training courses and achieve a passing score by due date.
• Represent…