Credit Manager

Responsibilities

• 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.
• 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.