RCC Direct Lending Credit Manager

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GENERAL FUNCTION:

Manages Direct Lending and credit quality for senior underwriters II and III, while supporting growth and profitability initiatives for the Regional Credit Center across multiple states, Affiliates and geographic regions. This position manages the day-to-day credit functions of underwriting, including up-sell, cross-sell, reporting and final credit decisions for assigned Affiliates within the Regional Credit Center. Direct responsibility for granting credit for real estate secured and non-real estate secured lending for assigned Affiliates.

Develops and manages relationships between the Regional Credit Center and Affiliate management.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Manages the development, implementation and monitoring of lending procedures and practices for the Regional Credit Center functions (Underwriting and Up-sell, Cross-sell, Reporting, Final Credit Decisions and Compliance).Manages Direct Lending underwriting, to achieve business objectives and assure compliance of state, federal and Bancorp policies, laws and regulations for their assigned Affiliates.

Proactively manages production and efficiencies meeting the credit and service quality level standards for the Regional Credit Center.

Manages the cost of production/per unit to meet revenue initiatives.

Develops cooperative relationships with key business partners across divisions (Mortgage/Retail/Affiliate Administration, Risk Management, Product Development, Compliance, IT) and internal and external customers (Vendors).Collaborates with Product Management, Risk Management, Retail Administration, Compliance and Residential Mortgage to maximize sales and manage risk.

Partners with RCC Direct Lending Manager to identify and implement improvements to increase productivity and improve efficiencies for the Direct Lending Regional Credit Center.

Develops and maintains relationships with Affiliate Banks through regular onsite visits and presentations.

Consumer lending credit authority is commensurate with consumer lending authority guidelines and business need.

Collaborates with Regional Credit Center peers to identify and implement best practices as standards throughout the Regional Credit Centers.

Participates in the development and recommendation of Direct Lending strategy, credit policy and practices.

Manages employee turnover to bank goals.

SUPERVISORY RESPONSIBILITIES:

Manages up to 20 non-exempt employees.

Leads departmental employees by providing timely and constructive performance feedback.

Manages the hiring, performance appraisal and termination process for the RCC assigned group.

Develops employees by providing challenging opportunities to enhance career growth.

Ensures employees have adequate levels of training to conduct duties.

Develops talent pool to provide for succession planning.

Recognizes and rewards employees for accomplishments.

Directs and manages weekly staff meetings or other forms of communication to facilitate the exchange of information within the department and Affiliate.

MINIMUM

KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

Bachelor's degree in Business or Finance or…