Commercial Underwriting​/Credit Team Leader

Description

Full-time. The Commercial Underwriting/Credit Team Leader is responsible for supervising the commercial credit department. Participates in the loan management process by providing credit and loan underwriting expertise to the Bank’s Commercial Lending team. Analyzes prospective loan transactions and credit worthiness of borrowers. Validates the credit analysis prepared by the Commercial Credit Analysts and provides opinions and recommendations regarding proposed credits and potential risks.

• Manage personnel activities of direct report staff; including employee reviews and development plans.
• Mentor and enhance staff development; set team goals and monitor performance.
• Manage and direct workflow of direct reports to ensure quality and timeliness of credit product delivery.
• Analyze financial statements in conjunction with underwriting commercial loan requests.
• Prepare and review in‑depth written analysis for relationships.
• Prepare credit presentations that incorporate and analyze all relevant borrower and related financial information. Loan requests include CRE and C&I.
• Ensure sound practices in the commercial credit underwriting process.
• Manage the Commercial Loan Review function; oversee the review of existing commercial loans and risk rating analysis on the portfolio.
• Prepare and review in‑depth written analyses for relationships of all sizes and all levels of complexity; ensure compliance testing of loan requirements.
• Work with Loan Officers/Business Bankers to assemble financial information as to develop an initial assessment by identifying strengths and weaknesses regarding a borrower’s historical and current operating performance.
• Review loan structure of new loan requests identifying any risks or policy exceptions.
• Make recommendations on loan structure and reporting requirements where appropriate.
• Research industry specific information from outside sources, including conversation with borrowers, industry publications, area libraries, references from other banks, credit agencies, and the internet.
• Attend and contribute to various Bank committee meetings (Credit Risk, SAC, and Loan Review); prepare and maintain Commercial Loan Committee minutes.
• Oversee the SBA commercial credit underwriting and approval process (Express, 7A, 504).
• Oversee and prepare monthly/quarterly reporting relating to commercial credit and the commercial loan portfolio.
• Manage service providers and vendors; structure relationships strategically; set expectations; develop performance metrics; measure vendor performance; provide feedback and hold accountable.
• Keep up to date and comply with all bank policies and procedures as well as applicable banking laws and regulations, including the Bank Secrecy Act, USA Patriot Act, related anti‑money laundering statutes, and federal consumer protection legislation and regulations.
• Other duties as assigned.

The duties outlined above are a summary and may not be an exhaustive or comprehensive list of all possible responsibilities, tasks, and duties. All job descriptions may be amended at any time at the sole discretion of FMHC.

• 10-15 years of experience in commercial credit or financial services.
• Prior leadership experience.
• Proficiency in underwriting and structuring complex commercial loans (both CRE and C&I).
• Prior experience with commercial loan review function and/or management.
• Proficiency in MS Office (Outlook, Excel, Word) or similar software, as well as Cleartouch, OnBase, and Credit Quest.
• Bachelor’s degree or equivalent experience.

• Accountability
• Business Acumen
• Resilience
• Collaboration
• Leads for High Performance
• Communication
• Quality Focused
• Process Oriented

While performing the duties of this job, the employee is regularly required to lift, walk, stand, sit, bend, reach with hands and arms, climb, push/pull, use hands, and see, hear and speak. The employee must occasionally lift and/or move up to 25 pounds. The noise level in the work environment is usually quiet to moderate. Must have a valid driver’s license.

This position is performed in an office setting, five days a week with typical work hours being 8:30 a.m. through 5:15 p.m.