Job description:The following is a list of essential functions, which may be subject to change at any time and without advance notice. Management may assign new duties, reassign existing duties, or eliminate a function.
- 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.
Compliance- 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.
Education and Experience- BA or BS in Accounting, Finance, Economics or related field required
- Minimum of 5 years' experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required.
- Minimum 2 years' experience training/mentoring other credit analysts preferred
Skills and Competencies- Advanced commercial credit expertise with a demonstrated track record of analyzing complex CRE, C&I and construction lending relationships.
- Strong understanding of commercial banking principles, loan structuring, credit risk management, regulatory expectations, and sound underwriting practices.
- Proven ability to evaluate complex financial statements, tax returns, borrowing structures, collateral valuations, and diverse sources of repayment to support informed credit decisions.
- Demonstrated leadership, coaching, and team development capabilities, with experience mentoring analysts and fostering a collaborative, high-performing credit culture.
- Strong organizational and workflow management skills with the ability to effectively prioritize competing deadlines in a relationship driven commercial banking environment.
- Exceptional verbal and written communication skills.
- Thorough knowledge of credit-related laws and best practices.
- In-depth knowledge of the Bank's credit policy, products and services.
- Proficiency with Microsoft Office and an ability to quickly adapt to evolving banking technologies, credit systems, and workflow platforms.
- Excellent time management skills and the ability to multi-task and prioritize assignments
- Strong problem-solving and analytical skills
Working ConditionsTraditional office environment with the ability to work remotely on a hybrid basis; the office maintains five day a week operations (Monday - Friday) with operational hours of 8:00am - 5:00pm. Must be willing to travel to other Bank locations as needed.
