Credit Manager

Key Responsibilities

• Credit Risk Management & Underwriting
• Oversee credit underwriting and approval processes across all assigned portfolios.
• Approve loans within delegated authority; escalate as appropriate to Senior Management or Loan Committees, including the Board of Directors.
• Ensure high-quality credit analysis, including financial, cash flow, collateral, and guarantor evaluation.
• Apply credit policy and regulatory guidance consistently across all decisions.
• Portfolio Oversight & Risk Monitoring
• Monitor and assess overall portfolio performance, including covenant compliance, policy exceptions, and emerging risk trends.
• Lead periodic and annual credit reviews to validate risk ratings, loan structure, guarantor support, and overall credit quality.
• Oversee the real estate appraisal and appraisal review process to ensure compliance and sound collateral valuation.
• Identify, analyze, and escalate emerging credit risks, supporting timely and well-informed risk mitigation strategies.
• Serve as a trusted advisor to the Chief Credit Officer by providing proactive insight into developing risks, complex credits, and trends that may adversely impact portfolio performance.
• Support the development and execution of portfolio strategies to maintain credit quality and align with the bank’s risk appetite.
• Problem Loan & Risk Mitigation
• Partner with Special Assets and lending teams on problem loan identification and resolution strategies.
• Support credit actions including modifications, downgrades, and exit strategies.
• Drive timely resolution of credit issues through disciplined follow-through and accountability.
• Leadership & Collaboration
• Partner closely with relationship managers, loan operations, compliance, and finance to support prudent growth.
• Coach and develop credit analysts, ensuring strong analytical standards, sound judgment, and consistent execution.
• Provide clear direction on complex transactions and structuring considerations.
• Foster an environment of constructive dialogue by respectfully challenging assumptions and encouraging balanced, well-supported credit decisions.

Education & Experience

• Bachelor’s degree in Finance, Accounting, Economics, or related field required; advanced degree preferred.
• 7+ years of progressive commercial credit experience, including underwriting and portfolio management.
• Strong experience analyzing complex financials, global cash flow, collateral structures, and guarantor support.
• Solid understanding of commercial lending structures, risk rating systems, and loan policy governance.
• Knowledge of applicable banking regulations and supervisory expectations.
• Prior leadership or mentoring experience preferred.
• Artificial Intelligence (Ai) experience preferred.

Skills & Competencies

• Strong credit judgment and risk assessment, with the ability to balance risk and growth objectives.
• Advanced financial analysis and problem-solving skills with a practical, solutions-oriented mindset.
• Willingness to respectfully challenge others and engage in constructive conflict to arrive at the best credit decision.
• Confidence to form, articulate, and advocate for well-reasoned viewpoints.
• Results-oriented with a strong sense of ownership and accountability.
• Able to make sound, timely decisions within authority limits and drive issues through to resolution.
• Clear, confident and persuasive written and verbal communication skills.
• Comfortable operating in a fast-paced environment with multiple competing priorities.
• Demonstrated ability to influence, guide, and align others toward a defined outcome.
• Strong interpersonal skills with the ability to build trust, and foster collaboration across functions.
• High level of professional maturity, objectivity, and sound judgment.

Leadership Responsibilities

• Provide day-to-day direction, coaching, and quality oversight to credit analysts and support staff including workflow prioritization, performance feedback, and team development.
• Clearly communicate expectations, establish priorities, and hold team members accountable for results and quality standards.
• Lead with a proactive, action-oriented approach that drives execution and ensures work is completed effectively and on time.
• Serve as a role model for professionalism, sound judgment, and constructive engagement across the organization.
• Lead by example in supporting the bank’s commitment to community engagement by actively participating in and promoting community service initiatives and fostering a culture that reflects the values and visibility expected of a community banking organization.

Physical Demands and Work Environment

• Regularly talk or hear.
• Frequently use hands or fingers, handle, or feel objects, tools or controls.
• Occasionally lift and/or move up to 25 pounds.
• Specific vision abilities include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.