Credit Department Supervisor

2 weeks ago

Clinton, United States Unity Bank Full time
Position Summary

The Credit Department Supervisor must have an extensive understanding and background of all aspects of the commercial loan underwriting and financial analysis process. Must promote a positive credit culture throughout the bank.

Essential Functions
  • Oversee the function of the Credit Underwriting Group (CUG) to facilitate the timely review of all loan transaction and servicing requests as presented.
  • Supervise and train department analysts to continue their growth and knowledge levels in all facets of lending and the bank's goals and philosophies
  • Conduct performance reviews for direct reports
  • Ensure quality underwriting and meaningful financial analysis for all loan proposals
  • Interact with Loan Closing and Loan Officers to identify and eliminate issues to improve the overall loan process
  • Make recommendations based on credit findings for all transactions in excess of lending authority
  • Communicate with all bank departments as well as outside attorneys, appraisers, environmental assessors, etc.
  • Complete special projects as assigned by Chief Credit Officer
Additional Functions
  • Report monthly to Chief Credit Officer on all of the following: CUG projects in process, Pipeline Summary, Commitments Outstanding, and Loans processed by individual Credit Analyst.
  • Manage the incoming new loan requests with proper credit analyst based on complexity of transaction and deal deadline.
  • Manage the accountable for the integrity of all credit underwriting processes. Inadequacies in these processes can lead to loan delinquencies and charge-offs, increased legal, administrative, and servicing costs. Obvious impact is to loss of Bank income.
Education and Experience
  • Bachelor's degree in business, Accounting, or Finance
  • Five years commercial underwriting experience.
  • Knowledge of various loan products, including SBA and Business Manager, as well as previous supervisory experience of commercial loan credit analysts would be helpful
Knowledge, Skills, and Abilities
  • Thorough understanding of commercial credit underwriting concepts
  • Ability to analyze financial statements, collateral, cash flow, projections, personal financial statements, tax returns, and varying balance sheet and income statement ratios
  • General knowledge of the SBA program and SBA Standard Operating Procedures (SOP).
  • Ability to complete assignments accurately and independently
  • Ability to interact with the Board of Directors and Senior Management as well as other bank departments
  • Ability to multi-task and prioritize workload, be detail-oriented, and work efficiently. Workload is fast-paced and requires timely determinations on all loan requests
  • Time management skills are essential
  • Must be a team leader and team player within the bank organization
  • Strong communication skills, and ability to interact with customers is important
  • Microsoft Suite
  • Navigator, Abrigo and any financial spreading software
Physical Requirements
  • Ability to sit for long periods of time up to 75% of work hours.
  • Ability to use computer keyboard and system to enter data and process information
Working Conditions
  • Moderate sound as in business office with office machines, computers, and people traffic.
Compliance
  • It is the responsibility of each bank staff member and of management to adhere to policies and procedures designed to implement compliance with the laws and regulations to which the bank is subject. Each bank staff and management member shall be accountable for understanding how compliance with laws and regulations affects the performance of their day-to-day duties, for completing compliance training as assigned and for carrying out those duties in a manner to achieve compliance with those laws and regulations.


All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability.

This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin/nationality, ancestry, religion/religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.

Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job, unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.

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