Commercial Credit Manager

Apply for the Commercial Credit Manager position at GBC Bank
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2 days ago Be among the first 25 applicants.

• Assist in managing the operations side of the loan department, which would include providing direction and supervision to the construction administrator, special assets officer, doc prep supervisor, loan ops manager, compliance, and credit
• Review & critique credit approvals, financials spreads, loan documentation, and seek enhancements to the loan operations process
• Compile complex credit approval proposals
• Mentor & train less experienced credit analysts
• Work with lending and appropriate teams to manage the past due loan process, financial ticklers, maturity reports, borrowing bases, construction draws, and real estate appraisal review processes
• Review loan policy and other policies, for possible suggested updates and enhancements
• A key point person in loan review engagements and audits
• Contribute to loan committees and provide credit recommendations
• Participate in client calls with lending team (as needed)
• Continually strive to seek process enhancements and improvements
• Complete other projects and tasks as assigned
• Reinforce the application of superior customer service through one’s own example and appropriate follow‑through with involved customers and employees and conduct specific periodic meetings and presentations on this topic with all staff members
• Respond to inquiries or refer inquiries to the appropriate department or person and exhibit the necessary follow‑through with customers and/or staff involved
• Maintain a current knowledge of changing legislation and regulatory climate and recommend changes to the Bank’s loan policies and procedures
• Represent the Bank in various community, civic and community reinvestment functions to further enhance the Bank's image and develop additional business; assist the Bank in establishing and maintaining market position in the financing arena
• Cross‑sell the Bank's other products and services, referring customers to appropriate staff as indicated
• Assist in meeting annual deposit and loan growth goals assigned by senior management and the Board of Directors; participate in various internal committees assigned by Senior Management and the Board of Directors
• Monitors staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results
• Consistently apply superior decision‑making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development
• Assume responsibility for special projects; gather data and prepare reports for the Board of Directors and other members of Senior Management, audits and other personnel
• Play a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills to assure a highly cross‑trained staff
• Process, solve and answer complex customer transactions, problems or inquiries
• Answer telephones, answer questions and direct callers to proper Bank personnel
• Assume responsibility for various department functions in the absence of staff members or in overload situations
• Treat people with respect; keep commitments; inspire trust of others; work ethically and with integrity; uphold organizational values; accept responsibility for own actions
• Demonstrate knowledge of and adherence to Equal Employment Opportunity (EEO) policy; show respect and sensitivity for cultural differences; educate others on the value of diversity; promote working environment free of harassment of any type; build a diverse workforce and support affirmative action
• Assure compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adhere to Bank Secrecy Act (BSA) responsibilities that are specific to the position
• Complete administrative tasks correctly and on time; support the Bank’s goals and values; benefit the Bank…