CRE Credit Risk Team Lead

Responsibilities

• Proactively communicate with Loan Officers and assigned Credit Portfolio Managers during the underwriting, approval, and portfolio management processes.
• Review and circulate credit packages and modifications for approval; ensure packages are updated as required by approvers.
• Underwrite complex new loan requests and modifications.
• Coordinate with assigned Commercial Loan Officers, Loan Officer Assistants, and Direct Reports to complete all activities required for a credit package.
• Complete performance evaluations, review and approve timecards, and handle all other manager-related activities for direct reports.
• Prepare effective packages for credit approval circulation and present packages to the required level of credit authority.
• Obtain and monitor various loan portfolio reports such as Maturing Loans, Past-Due Loans, Annual Reviews, and proactively assist lenders with requisite action plans.
• Ensure credits are accurately risk-rated and properly monitored and reported.
• Adhere to all requirements of Regulation B Adverse Action Procedures (Florida Division).
• Create and maintain current BSA Information.
• Adhere to all requirements of watch list and EDD procedures.
• Manage and track covenants, borrowing bases, A-R Ageing, etc., for assigned accounts.
• Assist in the preparation of quarterly CLMR reports.
• Advise Lenders on all matters related to the Bank’s Credit Policy and related Procedures/Forms.
• Conduct annual site visits, attend loan closings, and perform other tasks to support assigned lenders as time allows.

Requirements

• High School Diploma or GED and a minimum of seven years of experience in a commercial lending environment in a credit-oriented and underwriting position.
• Bachelor’s degree, completion of a formal credit training program, and prior supervisory experience is preferred.

Skills

• Knowledge of credit underwriting, accounting, and loan documentation.
• Ability to effectively communicate credit concerns and formulate alternate loan structures to customers, business unit team leaders, department heads, and senior management.
• Proficient computer skills using Microsoft Word, Excel, and Outlook.
• Strong interpersonal and social skills for interacting with loan officers, administrative staff, and customers.
• Strong personal time management skills.
• Strong mathematical skills.
• Strong credit skills.
• Strong administrative skills.
• Ability to write reports and business correspondence.
• Ability to effectively present information and respond to questions.