Credit Manager

• Oversee workflow management for a Commercial credit underwriting and loan portfolio management team within an assigned market
• Ensure comprehensive analysis of new credit requests and servicing actions
• Ensure adherence to bank credit quality guidelines and applicable policies
• Coordinate workflow with other work groups to support smooth credit department operations and timely service to sales staff and customers
• Direct timely and accurate completion of Commercial credit authorizations, commitment letters, and other work products
• Oversee initial reviews of credit requests and make recommendations to Credit Administrators
• Oversee management of the Commercial loan portfolio for consistent, high-quality, timely work
• Manage Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, training, performance reviews, and coaching/development
• Manage and lead Credit Analyst internships for local university students as needed
• Oversee written client communications, including commitment letters, declinations, and needs letters
• Monitor underwriting and approval processes and serve as a point of contact
• Coordinate with Credit Administration and Internal Asset Review to respond to audit exceptions
• Make credit determinations for servicing requests and review deteriorating files
• Perform annual credit quality reviews on assigned files
• Train direct reports and internal partners on bank credit policies and systems
• Administer assignments and follow up on complex credits
• Participate in internal credit and pipeline calls as necessary
• Maintain compliance with bank regulations, policies, procedures, and required training
• Maintain knowledge of Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations
• Coach, mentor, train others, and teach coursework as a subject matter expert
• Foster Columbia's corporate culture and model positive leadership
• Perform other duties as assigned

• Bachelor's Degree in Business, Finance, Accounting, or related field (preferred)
• 4–7 years of Commercial Underwriting, Loan Portfolio Management, or other related experience (Required)
• 4–7 years of related supervisory/management experience (Required)
• Proficient knowledge of underwriting, loan documentation, appraisal, and closing processes
• Advanced knowledge and experience managing a commercial loan portfolio
• Proficient knowledge of bank policies and documentation
• Knowledge of SBA Credit and Environmental policies, SBA lending and eligibility standards, and SBA documentation, if applicable
• Strong leadership, problem solving, analytical, mathematical, customer service, and interpersonal skills
• Ability to interpret credit reports, financial tables and charts, financial ratios, tax returns, and financial statements
• Excellent written and verbal communication skills
• Ability to prepare written reports, correspondence, and financial and background information
• Experience managing and developing others and building and maintaining relationships
• Ability to attract, motivate, and retain top talent
• Ability to work effectively across the company to manage customer relationships
• Ability to partner effective with Commercial Relationship Managers, Underwriters, and Credit Administration
• Proficient in word processing, spreadsheet, and industry-specific software
• Occasional travel required
• Ability to work fully onsite at the posted location

Demonstrates expertise in Commercial Underwriting and Loan Portfolio Management, with a strong focus on credit quality, compliance with banking regulations, and effective team leadership. Proficient in analyzing credit requests, managing relationships, and developing talent within the credit department.

• Commercial Underwriting
• Loan Portfolio Management
• Credit Quality Analysis
• Leadership and Team Development
• Banking Regulations Compliance

• Underwriting Processes
• Loan Documentation
• Financial Analysis
• Credit Report Interpretation
• SBA Lending Standards
• Mathematical Skills
• Analytical Skills
• Problem Solving
• Performance Reviews
• Training and Development

• Customer Service
• Interpersonal Skills
• Written Communication
• Verbal Communication
• Relationship Building

• Bank Secrecy Act
• Regulation CC
• Regulation E
• Credit Administration
• Audit Compliance

• Word Processing Software
• Spreadsheet Software
• Industry-Specific Software