USAmeriBancorp

CRE Credit Risk Team Lead

USAmeriBancorp • $95K — $115K *
Tampa, FL 33647In-Person
Finance & Insurance
5 - 7 years of experience
Today
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Job Overview by Ladders

Qualifications

  • Minimum 7 years in commercial lending, focusing on credit and underwriting roles.
  • Bachelor's degree and formal credit training preferred.
  • Strong credit, mathematical, and administrative skills.
  • Proficient in Microsoft Word, Excel, and Outlook.
  • Ability to effectively communicate and present complex credit concerns.
  • Strong interpersonal skills for interaction with a diverse range of stakeholders.
  • Exceptional time management skills.

Responsibilities

  • Proactively communicate with Loan Officers and Credit Portfolio Managers during the underwriting process.
  • Review and circulate credit packages for approval, ensuring updates are made as required.
  • Underwrite complex new loan requests and modifications thoroughly.
  • Coordinate activities with Loan Officers and their teams to finalize credit packages.
  • Conduct performance evaluations and manage direct reports' administrative tasks.
  • Prepare credit approval packages for presentation to required levels of authority.
  • Monitor loan portfolio reports and assist lenders with necessary action plans.

Benefits

  • Flexible work hours and remote work options.
  • Opportunities for professional development and continued education.
  • Supportive work environment with a focus on team collaboration.
  • Comprehensive health, dental, and vision plans.
  • Retirement savings plan with company match.
Full Job Description
Responsibilities include, but are not limited to:
  • Proactively communicates 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 the assigned Commercial Loan Officers, Loan Officer Assistants and Direct Reports all activities required to complete a credit package.
  • Completes performance evaluations, reviews and approves timecards and all other manager related activities for his/her direct reports.
  • Prepare effective packages for credit approval circulation and to 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.
  • Assure that credits are accurately risk rated and credits are properly monitored and reported.
  • Adhere and comply with all requirements of Regulation B Adverse Action Procedures -- Florida Division.
  • Create and maintain current BSA Information.
  • Adhere and comply with all requirements of watch list and EDD procedures.
  • Manage and track covenants, borrowing bases, A-R Ageing, etc. for their accounts.
  • Assist in preparation of quarterly CLMR reports.
  • Advise Lenders on all matters related to the Bank's Credit Policy and related Procedures/Forms.
  • As time allows conduct annual site visits, attend loan closings and other tasks required to support assigned lenders.


Required Skills:
  • Knowledge of credit underwriting, accounting and loan documentation with the ability to.
  • 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 level of interpersonal and social skills needed to interact 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.

Required Experience:
  • 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.

About USAmeriBancorp

Valley National Bancorp, doing business as Valley Bank, is a regional bank holding company headquartered in Wayne, New Jersey with approximately $42 billion in assets. Its principal subsidiary, Valley National Bank, currently operates over 230 branch locations in northern and central New Jersey, the New York City boroughs of Manhattan, Brooklyn, and Queens, as well as Long Island, Florida, and Alabama. Valley Bank holds approximately $29 billion in assets. ,Valley Bank is one of the largest commercial banks headquartered in New Jersey.
Learn more about USAmeriBancorp
Industry
Legal & Accounting
* Ladders Estimates

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