Credit Manager NYC

Summary/Objective

Responsible to supervise NYR Region Credit Department (the “Department”), review and endorse credit proposals, and handle inquiries from auditors, regulators and headquarters.

• Direct the workflow of the Department and monitor the turnaround time of each project.
• Review credit proposals to ensure the analysis is complete and the proposals comply with policy & procedure.
• Approve new loan applications and annual loan reviews (as applicable), jointly with the Deputy CEO of Frontline, as per the Delegated Lending Authority set forth in the Credit Manual, Vol. 1.
• Review real‑estate appraisal and environmental reports during the loan application process.
• Recommend (or approve, as applicable) commercial loan and trade service transactions (collateral, customer rating, facility rating, credit limit, loan agreement and loan advances) in the GCMS system.
• Delegate staff to review loan documents prior to execution and loan closing to ensure accuracy and compliance with approved terms, conditions and Bank policy.
• Coordinate the loan reviews conducted by external loan reviewers and auditors; and handle queries.
• Supervise weekly, monthly and quarterly reporting to Headquarter, and monitor and report the status of classified loans monthly to the Loan Committee.
• Handle loan recovery actions and coordinate with attorneys as necessary.
• Manage NYR OREO portfolio.
• Supervise the NYR Credit Department staff.
• Provide training to Credit staff internally and via outside professional development platforms within the Bank’s budget.
• Perform other related duties and assignments as required.

• Language Skills – ability to read and interpret documents, write routine reports and correspondence, and speak effectively to employees of the organization.
• Mathematical Skills – ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume.
• Computer Skills – knowledge of the software used by the bank.
• Organized and proof‑reading ability.
• Independent judgment and high‑level task performance.
• Analytical – synthesize complex or diverse information, collect and research data, and use intuition and experience to complement data.
• Problem Solving – gather and analyze information skillfully and develop alternative solutions.
• Interpersonal Skills – effectively deal with customers and co‑workers under pressure and sensitive situations.
• Oral Communication – speak clearly and persuasively in positive or negative situations, and listen and seek clarification.
• Written Communication – write clearly and informatively.
• Teamwork – exhibit objectivity and openness to others’ views.
• Ability to perform services in person from a Bank office or Branch to access the Bank’s computer systems and engage in an interactive environment with co‑workers.

Carry out supervisory responsibilities in accordance with the organization's policies and applicable procedures.

• Bachelor’s degree (BA) from a four‑year college or university.
• 10 years of related experience and/or training.
• Equivalent combination of education and experience.

None.

Must have advanced English language skills. Proficient Chinese language is a plus.

This is largely a sedentary role, requiring use of typical office equipment such as a computer, laptop and cell phones. Work is completed in person in an office environment. Walking around the office and talking to employees and supervisors is also required. Appropriate reasonable accommodations that do not cause undue hardship will be made to enable qualifying individuals with disabilities to perform the essential functions of the job.

Some travel for site inspections and seminar training might be required.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice. It is understood and agreed that the employee may be required to perform additional duties as assigned by the employee’s supervising manager.

• Owns the risks they take and are responsible and accountable for ongoing management of risks, including the identifying, measuring, monitoring, assessing (self‑assessment) and reporting risk exposure proactively to senior management.