Credit Manager

Job description:

The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.

Prepare and review detailed credit approval memorandums for complex lending relationships, including formulation of approval recommendation, structural enhancements, and risk mitigation strategies.

Lead and develop an assigned team of Credit Analysts to efficiently support underwriting and loan decisioning in conformity with the Bank’s policies and service level agreements.

Manage the ongoing development, coaching and onboarding of junior staff, fostering strong analytical capabilities, sound credit judgement, and supporting career growth within the organization.

Review and optimize the quality and consistency of staff underwriting and financial analysis.

Ensure adherence to internal credit policy, regulatory guidance, and sound banking practices while supporting prudent and consistent credit decisions.

Administer departmental workflows and pipeline activities to ensure timely, accurate, and service oriented delivery of loan originations, renewals, modifications, reviews and other related actions.

Facilitate direct collaboration with commercial lenders, credit administration staff and loan operations teams to enhance communication, efficiency, and client responsiveness throughout the credit process.

Utilize independent judgement in recommending credit actions and solutions, including approvals, modifications, structural changes, and risk rating adjustments.

Exercise independent credit approval authority as granted commensurate with experience and established lending policy guidelines.

Engage in regular contact with commercial lenders, loan administrators, and other bank team members, as well as borrowers and accountants when requested.

Compliance Comply with all applicable regulations and Bank policies regarding employment and employment law.

Participate in annual compliance and other job-related training.

Comply with applicable banking regulations, Bank policies and all procedures.

Comply with Bank’s internal privacy and ethics standards.

Education and Experience

BA or BS in Accounting, Finance, Economics or related field required

Minimum of 5 years’ experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required.

Minimum 2 years’ experience training/mentoring other credit analysts preferred

Skills and Competencies Advanced commercial credit expertise with a demonstrated track record of analyzing complex CRE, C&I and construction lending relationships.

Strong understanding of commercial banking principles, loan structuring, credit risk management, regulatory expectations, and sound underwriting practices.

Proven ability to evaluate complex financial statements, tax returns, borrowing structures, collateral valuations, and diverse sources of repayment to support informed credit decisions.

Demonstrated leadership, coaching, and team development capabilities, with experience mentoring analysts and fostering a collaborative, high-performing credit culture.

Strong organizational and workflow management skills with the ability to effectively prioritize competing deadlines in a relationship driven commercial banking environment.

Exceptional verbal and written communication skills.

Thorough knowledge of credit-related laws and best  knowledge of the Bank’s credit policy, products and services.

Proficiency with Microsoft Office and an ability to quickly adapt to evolving banking technologies, credit systems, and workflow platforms.

Excellent time management skills and the ability to multi-task and prioritize assignments

Strong problem-solving and analytical skills

Working Conditions Traditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday – Friday) with operational hours of 8:00am – 5:00pm. Must be willing to travel to other Bank locations as needed.

Penn community Bank is an equal opportunity employer.
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