Senior Commercial Credit Decisioning Lead

• Acts as the final decision authority on commercial loan applications

• Follows sound lending practices, policies and procedures

• Responsible for financial analysis of complex loans/industries/Customers

• Contributes to team responsibility for ensuring satisfactory audit, loan review, and other loan quality metrics

• Supports Credit Management strategic initiatives

• Ensures compliance with established underwriting guidelines, quality and production guidelines, and Federal Banking Regulations

• Renders final credit decision within individual lending authority limits

• Determines necessary conditions of lending and closing

• Acts as a mentor and participates in the ongoing development of the Underwriting Staff

• Performs historical business financial analysis and cash flows

• Contributes to discussions of policy and standards adjustments

Requirements

• Undergraduate degree preferred
• 10+ years of relevant commercial lending relationship management, underwriting, and/or adjudication experience
• Prior lending authority >/= $1 million preferred
• Small Business Administration/Agency, Healthcare Practice Solutions, or other specialty lending experience preferred
• Able to operate in a highly professional, systems-based environment
• Proven analytical and research skills
• Demonstrated problem solving skills and the ability to blend technical knowledge and good business judgment
• Proven organizational, multi-tasking, analytical, time management and decision-making skills
• Ability to meet deadlines
• Strong communication skills, both verbal and written
• Strong interpersonal skills and a team orientation
• Ability to work with various levels of business partners
• Computer literacy with a variety of software programs

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Hard Skills

• Financial Analysis
• Loan Underwriting
• Credit Decision Authority
• Lending Practices
• Audit and Loan Review
• Cash Flow Analysis
• Policy and Standards Adjustment
• Decision-Making Skills
• Analytical Skills
• Problem Solving Skills

Soft Skills

• Strong Communication Skills
• Interpersonal Skills
• Team Orientation
• Organizational Skills
• Time Management