Credit Manager

## Credit Manager Apply locations:
Perkasie, PAtime type:
Full time posted on:
Posted 6 Days Agojob requisition :
R-100100
*
* 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 practices.
* In-depth 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.
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