Credit Manager
7 days ago
Job Summary
Conduct independent analyses of commercial real estate, commercial loans, residential loans, and consumer loans in line with established credit and loan policies. Carry out annual reviews, appraisal assessments, and periodic evaluations of loan grades. Oversee the administration of the Credit and Loan policy.
Essential Job Duties and Responsibilities
- Conduct independent analyses of commercial real estate, commercial loans, residential loans, and consumer loans in alignment with established credit and loan policies.
- Underwrite loan requests according to established guidelines.
- Produce detailed analyses and comprehensive financial reports to evaluate borrowers' financial statements, cash flows, forecasts, collateral, and other relevant data. Prepare credit summaries for the Loan Committee to assess the quality of proposed loans.
- Establish, develop, and expand a formal Credit Department within the Loan Department, including:
- Providing credit-related training to lending staff.
- Recommending strategies to enhance the effectiveness of the Credit Department.
- Participating in Loan Department, Officer, Pipeline, and Classified Asset meetings to advocate for credit quality. Report to the Board on Criticized Assets, Other Real Estate Owned (OREO), and charged-off loans.
- Identifying risk asset concentrations, declines in underwriting standards or market conditions, and weaknesses that necessitate corrective action.
- Oversee the annual review process, both personally and through outsourcing, to ensure timely completion of all annual reviews and communicate results to loan officers, the Chief Lending Officer, and the Board.
- Act as the liaison with third-party vendors conducting real estate appraisals and annual loan reviews.
- Perform portfolio-level stress testing to assess the loan portfolio's exposure and quantify the impact of changing economic scenarios on asset quality, earnings, and capital.
- Administer the Current Expected Credit Loss (CECL) methodology, including quarterly updates on economic and market factors.
- Provide general support to the Senior Vice President and Chief Lending Officer on:
- Matters related to credit strategy and loan policy.
- Maintaining the integrity of loan grading.
Minimum Job Requirements
- Bachelor’s degree in Accounting, Finance, or a related field, or an MBA in Accounting/Finance, or equivalent professional experience.
- A minimum of five years of experience managing a Credit Analysis Department.
- Strong analytical skills with experience in evaluating commercial real estate loans, including owner-occupied, income-producing, and special-purpose properties, as well as commercial and consumer loans. Knowledge of security arrangements and loan collateralization is essential.
- Capable of spreading corporate and personal financial statements and tax returns in both US dollars and the borrower’s local currency, if applicable.
- Skilled in interpreting credit reports.
- Knowledge of financial services regulations and compliance, including Know Your Customer, Customer Identification Program, BSA/Anti-Money Laundering, and OFAC.
- Familiarity with banking software such as BancPac, Vision, iDoc, and iCheck.
- Skilled in using analytical software for spreading corporate financial statements, personal financial statements, and corporate/personal tax returns.
-
Credit Manager
1 week ago
Miami, United States New Edge Associates a Talent Acquisition Firm Full timeJob SummaryConduct independent analyses of commercial real estate, commercial loans, residential loans, and consumer loans in line with established credit and loan policies. Carry out annual reviews, appraisal assessments, and periodic evaluations of loan grades. Oversee the administration of the Credit and Loan policy.Essential Job Duties and...
-
Credit Manager
1 week ago
miami, United States New Edge Associates a Talent Acquisition Firm Full timeJob SummaryConduct independent analyses of commercial real estate, commercial loans, residential loans, and consumer loans in line with established credit and loan policies. Carry out annual reviews, appraisal assessments, and periodic evaluations of loan grades. Oversee the administration of the Credit and Loan policy.Essential Job Duties and...
-
Credit Manager
1 week ago
Miami, United States New Edge Associates a Talent Acquisition Firm Full timeJob SummaryConduct independent analyses of commercial real estate, commercial loans, residential loans, and consumer loans in line with established credit and loan policies. Carry out annual reviews, appraisal assessments, and periodic evaluations of loan grades. Oversee the administration of the Credit and Loan policy.Essential Job Duties and...
-
Credit Manager
20 hours ago
Miami, United States New Edge Associates a Talent Acquisition Firm Full timeJob Summary Conduct independent analyses of commercial real estate, commercial loans, residential loans, and consumer loans in line with established credit and loan policies. Carry out annual reviews, appraisal assessments, and periodic evaluations of loan grades. Oversee the administration of the Credit and Loan policy. Essential Job Duties and...
-
Senior Credit Risk Manager
4 weeks ago
Miami, Florida, United States Banco de Credito e Inversiones Full timeJob SummaryAssists the SVP Credit Risk Manager in all aspects of the underwriting process for complex syndicated and bilateral credits for large domestic and foreign corporate enterprises.Key ResponsibilitiesProvides guidance to staff involved in credit analysis.Participates in credit configurations meetings with lenders.Assesses borrower structure,...
-
Commercial Credit Underwriter
3 weeks ago
Miami, United States First Bancorp Full timeJob Summary:We are seeking a talented Commercial Credit Analyst to join our team at First Bancorp. As a key member of our Commercial Banking department, you will be responsible for underwriting and analyzing commercial loans, ensuring that our bank maintains the highest standards of credit risk management. About the Role:This is a fantastic opportunity for a...
-
Compliance Risk Manager
4 weeks ago
Miami, Florida, United States Educational Federal Credit Union Full timeJob Summary: As a Compliance Analyst at Educational Federal Credit Union, you will play a crucial role in ensuring the organization's compliance with all applicable regulatory requirements. This position involves coordinating compliance initiatives with other departments, tracking compliance management centrally, and serving as a liaison with various...
-
GWIM Credit Executive
4 weeks ago
Miami, Florida, United States Bank of America Corporation Full timeJob Title: GWIM Credit ExecutiveJob Summary:We are seeking a skilled GWIM Credit Executive to join our team at Bank of America Corporation. As a key member of our Global Wealth and Investment Management (GWIM) division, you will be responsible for developing new custom credit relationships with strategic wealth clients, driving funded loan balance and...
-
Commercial Credit Analyst
4 weeks ago
Miami, Florida, United States Seacoast Bank Full timeJob DescriptionSeacoast Bank is seeking a highly skilled Commercial Underwriter to support the revenue growth and asset quality of the commercial lending line of business.Key Responsibilities:Analyze financial information on existing and potential customers to assess their financial condition and ability to repay a loan request.Prepare and present financial...
-
Risk Management Specialist
4 weeks ago
Miami, Florida, United States Educational Federal Credit Union Full timeJob DescriptionAs a Risk Analyst at Educational Federal Credit Union, you will play a critical role in ensuring the organization's operations are aligned with regulatory requirements and risk management best practices.Key Responsibilities:Conduct risk assessments to identify potential threats and opportunities for improvement.Develop and implement risk...
-
Miami, United States airbus Full timeJob Description: Job DescriptionAccounts Payables Coordinator and Credit Management Officer The Accounts Payables Coordinator & Credit Management Officer reports to the Headof Finance and is responsible to provide financial, administrative and clerical support to the organization as well as for negotiating and managing payment arrangements with debtors...
-
Credit Card Processing Specialist
1 month ago
Miami, Florida, United States CGC Group Inc. Full timeJob SummaryWe are seeking a highly skilled Credit Card Processing Clerk to join our team at CGC Group Inc. in Miami/Doral. This temporary role will involve responding to credit card chargeback disputes, working closely with other teams, and communicating with banking institutions, credit card companies, and outside collection agencies.Key...
-
Account Receivable and Credit Specialist
4 weeks ago
Miami, Florida, United States SPANISH BROADCASTING Full timeJob DescriptionAt Spanish Broadcasting System, we are seeking a highly skilled and motivated individual to fill the role of Account Receivable and Credit Specialist. This position is responsible for performing credit and collections functions involving A/R – Billing tasks, with a focus on timely payment performance.Key Responsibilities:Perform collections...
-
Commercial Credit Underwriter
4 weeks ago
Miami, United States Ascendo Resources Full timeJoin a leading bank as a Commercial Credit Underwriter and be at the forefront of empowering businesses through strategic financing solutions. This is your opportunity to tackle complex financial challenges, mentor emerging talent, and drive impactful decisions that lead to significant client success. Elevate your career in an empowering environment where...
-
Commercial Credit Underwriter
4 weeks ago
Miami, United States Ascendo Resources Full timeJoin a leading bank as a Commercial Credit Underwriter and be at the forefront of empowering businesses through strategic financing solutions. This is your opportunity to tackle complex financial challenges, mentor emerging talent, and drive impactful decisions that lead to significant client success. Elevate your career in an empowering environment where...
-
Commercial Credit Underwriter
4 weeks ago
miami, United States Ascendo Resources Full timeJoin a leading bank as a Commercial Credit Underwriter and be at the forefront of empowering businesses through strategic financing solutions. This is your opportunity to tackle complex financial challenges, mentor emerging talent, and drive impactful decisions that lead to significant client success. Elevate your career in an empowering environment where...
-
Risk Management Professional
3 weeks ago
Miami, United States Educational Federal Credit Union Full timeJob Summary:Responsible for the development, implementation, and execution of operational, functional, and compliance risk assessments.Educational Federal Credit Union encourages you to apply for this position at edfed.org/careers
-
Credit Balance and Refund Specialist
2 months ago
Miami, United States North Coast Medical Supply LLC Full timeAbout Our Company Advanced Diabetes Supply® was founded on the bold principle of creating a knowledgeable, reliable and demonstrably superior diabetes supply company. Our approach, coupled with a commitment to service and innovation, has catapulted Advanced Diabetes Supply® to a national leader in the industry. Creating high-performance, adaptive teams...
-
Credit Balance and Refund Specialist
3 weeks ago
Miami, United States North Coast Medical Supply LLC Full time$2,500 Sign On Bonus! About Our Company Advanced Diabetes Supply® was founded on the bold principle of creating a knowledgeable, reliable and demonstrably superior diabetes supply company. Our approach, coupled with a commitment to service and innovation, has catapulted Advanced Diabetes Supply® to a national leader in the industry. Creating...
-
Credit Balance and Refund Specialist
23 hours ago
Miami, United States North Coast Medical Supply LLC Full timeAbout Our Company Advanced Diabetes Supply® was founded on the bold principle of creating a knowledgeable, reliable and demonstrably superior diabetes supply company. Our approach, coupled with a commitment to service and innovation, has catapulted Advanced Diabetes Supply® to a national leader in the industry. Creating high-performance, adaptive teams...