Manager, Commercial Credit Officer

About the role

The Manager, Commercial Credit Officer supports Self-Help's national Commercial Lending Team in originating commercial loans across various sectors and geographies. This role involves advising due diligence teams on underwriting, transaction structuring, and complex credit/financial analysis to ensure loans align with Self-Help's policy and mission.

Responsibilities

• Advise and work with loan officers to analyze and structure loans that advance Self-Help’s mission and comply with credit standards.
• Provide critical, objective reviews of loan officer’s credit memoranda and detailed financial analyses, assessing repayment sources, loan structures, industry background, management capacity, and collateral.
• Oversee that proposed loans meet Self-Help’s regulations, policies, and procedures, and are consistent with industry best practices.
• Make recommendations to Self-Help’s credit committee regarding credit proposals, and participate as a voter in the committee.
• Manage and guide loan closings, ensuring compliance with closing conditions and documentation.
• Review and approve monthly construction disbursements as required.
• Collaborate with the portfolio management team to assess and address risks associated with troubled loans, including loan modifications.
• Directly supervise and manage a team of credit officers, providing hands-on training and support.
• Assist in the hiring, coaching, and performance assessment of staff members.
• Contribute to strategic projects and strategy development for various sectors.
• Stay informed about industry trends, market conditions, and regulatory changes affecting commercial credit.

Requirements

• Bachelor’s degree OR equivalent related experience; graduate degree in Business, Accounting, Finance, City Planning, Public Policy, or Law, or a related field preferred.
• 7 years of related experience in commercial lending, finance, or community development, or equivalent related experience.
• Experience managing staff or teams, or equivalent experience.
• A strong commitment to Self-Help’s mission of creating economic opportunity for all.
• Strong analytical skills, including quantitative/credit analysis, financial ratio analysis, repayment ability assessment, loan structuring, management assessment, and collateral risk evaluation.
• Ability to learn quickly and analyze new industries, considering industry drivers and competitive threats, and developing new contacts to provide in-depth industry knowledge.
• Strong interpersonal and project management skills, including the ability to manage, train, coach, and develop commercial lending staff with varying levels of experience.
• Proficiency with MS Word and Excel.
• Willingness to travel and work overtime as needed.