ED, Business Banking Operations Director, Portfolio Management Center

11 - 15 years experience  • 

Salary depends on experience
Posted on 04/20/18
Phoenix, AZ
11 - 15 years experience
Salary depends on experience
Posted on 04/20/18

Engaged in the management of adversely graded commercial loan and lease relationships which may include loan/lease products, working capital lines of credit, asset based lending, construction lending, leasing, commercial real estate, contractor financing, Small Business Administration guaranteed transactions, agricultural lending. 

Key position responsibilities include:

This senior level position manages the collection, managed assets and recovery functions for the scored and graded business loanportfolio in Consumer Business Banking.

  • Provides leadership to the Portfolio Management Center Business Banking managers and employees involved in the collection, workout, and recovery of business loans

  • Implements and oversees credit policies and procedures to improve the overall quality of the portfolio.

  • Acts as a resource on individual credits, and provides approval of new credits and the restructuring of existing credits as appropriate.

  • Formulates long term loss mitigation objectives and national strategies.

  • Provides reporting to line of business and risk management according to bank and regulatory requirement

Successful candidates must be able to:

  • Provide direction and define priorities for desired result.

  • Link the team’s mission to that of the organization.

  • Align goals to corporate objectives, including budget, salary, and incentive implementation.

  • Coach Business Banking Managers and staff with decision making and collection strategies.

  • Act as a resource and share past experiences and personal perspective on individual credits.

  • Mentor, train, and develop subordinates to reach individual and group goals for efficiency and effectiveness in managing delinquent and troubled credits.

  • Search out challenging opportunities to change, grow, innovate and improve all processes.

  • Provide reports to Senior Management relative to Credit Quality, Delinquency, Collections and Net Loss.

  • Strategic Management, formulation, implementation and control of processes.

  • Determine impact of internal and external environmental factors including economic, political and technological on portfolio quality.

  • Partner with peers throughout the firm to remain current on process, legal, regulatory and technological changes impacting the business.

  • Analyze, compile and reportrisk as it impacts national portfolio delinquency and net loss trends.

  • Ensure adherence to credit policies, procedures and regulations.

  • Manage business and people processes to include reporting, forecasting, review and compensation, staffing and capacity planning.

  • Ensure staffing and resources efficiently meet volume forecasts.

  • Act as a liaison to internal customers: Risk Management, Market, Loan Servicing, Loan Centers, Legal, Banking Centers/Branches.

Dept Qualifications:

  • Bachelors Degreerequired, Masters Degreepreferred or equivalent work experience
  • 10 + years of commercial/small business loan workout/loss mitigation/collection experience
  • 10+ years of collections management experience with knowledge of auto-dial and risk scoring strategies
  • 10+ years of commercial loan underwriting experience with an understanding of credit policy, compliance and regulations
  • 10+ years of managerial experience with an emphasis on process management
  • Thorough understanding of the business loan sales and underwriting process
  • Expert knowledge of credit policy and other compliance regulations
  • Strong Functional and Technical Skills: Customer focus, Analytical Skills, Leadership abilities, Negotiations skills, Process Management, Problem solving, Written and verbal communication, Decision Quality, Results Oriented, Conflict Management, Interpersonal Relations, Managerial Skills, PC Skills
  • Minimum of 25% travel. 

Collections Litigation Qualifications

  • Prior Collections experiencepreferred
  • Knowledge of legal processes related to litigation
  • Excellent verbal and written communications skills
  • Ability to collaborate with and influence various stakeholders
  • Prior experience managing teams is preferred
  • Ability to coach and provide meaningful feedback to employees.
  • Demonstrated ability to foster an open working environment
  • Analytical and problem solving skills
  • Ability to identify trends and improve processes for both the customer and the business
  • Understanding of regulatory/legal landscape related to collections litigation
  • Ability to work with audit, compliance and regulatory constituencies to manage work in accordance with established procedures and relevant regulations and laws
  • Demonstrated accountability for work processes and the associated risks and controls.
  • Demonstrated ability to raise issues to relevant stakeholders or management with respect to the control environment

Req #: 180034245

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