Commercial Credit Manager

Commercial Credit Manager Essential Duties

• 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, financial 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.
• Reinforces the application of superior customer service through own example, following up with involved customers and employees, and conducting periodic meetings and presentations on this topic with all staff members.
• Responds to inquiries or refers inquiries to the appropriate department or person and exhibits the necessary follow‑through with customers and/or staff involved.
• Maintains a current knowledge of changing legislation and regulatory climate and recommends changes to the bank’s loan policies and procedures.
• Represents the bank in various community, civic and community reinvestment functions to further enhance the bank’s image and develop additional business; assists the bank in establishing and maintaining market position in the financing arena.
• Cross‑sels 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; participates 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 applies 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.
• Assumes responsibility for special projects; gathers data and prepares reports for the Board of Directors and other members of senior management, audits and other personnel.
• Plays 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 ensuring a highly cross‑trained staff.
• Processes, solves and answers complex customer transactions, problems or inquiries.
• Answers telephone calls, answers questions and directs callers to proper bank personnel.
• Assumes responsibility for various department functions in the absence of staff members or in overload situations.
• Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions.
• Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes a working environment free of harassment of any type; builds a diverse workforce and supports affirmative action.
• Assures compliance with all bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position.
• Completes administrative tasks correctly and on time; supports the bank’s goals and values; benefits the bank through outside activities.
• Perfo…