Commercial Credit Manager

Salary Range: $120,000 - $145,000

PRIMARY RESPONSIBILITIES:

The Commercial Credit Manager (CCM) is primarily responsible for underwriting moderate to highly complex commercial loan requests and assigning loan requests to team members.  The CCM will stay involved in a mentoring capacity to ensure that loan requests are properly assessing risk and assessing ways to mitigate these risks. 

ESSENTIAL FUNCTIONS:


* Manage the pipeline of new loan requests and annual reviews.


* Underwrite and create the credit memo for moderate to highly complex commercial loan requests.


* Interact and engage with the Commercial Banking Team during the underwriting process.


* Have a strong understanding of the nCino system including assigning deals to analysts and familiarity with Product Packages, Review Records and Households.


* Responsible for daily supervision/oversight and ongoing developmental objectives of the Credit Analysis Team including:
+ Assigning loan requests and monitoring the work of the analyst team ensuring timely review.
+ Train and motivate employees ensuring employee engagement and continuous improvement.
+ Monitor and evaluate performance of Credit Analysts, holding employees accountable for goals and objectives.


* Review the underwriting credit memo prepared by the credit analysts to ensure adherence to all policy guidelines and to ensure total data/document integrity.


* Develop and implement new procedures and improvements to the credit process.


* Timely completion of annual performance reviews for the credit analysts.


* Maintain an in-depth knowledge of loan products, services, GRB’s Loan Policies and procedures to ensure legal and regulatory compliance and sound credit underwriting along with proper and timely customer service.


* Prepare the credit package for submission to weekly Loan Committees.


* Active participation in demonstrating the behaviors outlined in the GRB Experience.


* Ensure Credit Analysts meet expectations in performance, productivity and quality standards.


* Keep up to date with compliance regulations and economic conditions as they relate to commercial loans.


* Manage the annual vendor review process.


* Prepare memos for monthly Board of Directors meetings.

EDUCATION AND EXPERIENCE:

Bachelor’s degree in accounting, finance or related field and a minimum of 3 years of commercial credit management experience, or the equivalent combination of education and experience.

 

COMPETENCIES:


* Strong credit acumen.


* Must be fluent in analyzing corporate financial statements and tax returns; personal financial statements and tax returns; internally prepared financial information; and other financial information as provided.


* Provide a remarkable client experience.


* Hold self and others accountable for measurable, quality and timely results.


* Is adaptive and receptive to change; removes ba...