Director of Commercial Credit

3 days ago


Berrien Springs, United States Honor Credit Union Full time

Director of Commercial Credit & Operations - Berrien Springs (Full-Time) This is a Hybrid Work Eligible position. You will be required to come into the Operations Center in Berrien Springs, MI as needed to ensure business needs are met. ABOUT HONOR: At Honor Credit Union, we’ve been putting members first since 1934. Our team remains true to our member promise: Providing Solutions For Your Financial Success. Honor members enjoy extraordinary member service at 28 member centers, and worldwide through online banking. OUR TEAM: As a team member at Honor Credit Union, you are genuinely part of a family. We leave the term "employee" at the door because you're much more than that; you're a valued member of the Honor Team and its success. We don't settle for good; we strive to be great, and that starts with the individuals that live out the "I Am Honor" promise every day. At our core, we are obsessed with providing extraordinary member experience with solutions for financial success. We are rooted in the belief that finances don't have to be intimidating and giving back to the communities we serve is essential. We are made up of outgoing, positive, friendly, and highly experienced individuals, which creates an inclusive, stimulating atmosphere. Smiling is the epitome of our culture, and like kindness, we believe smiling is contagious - it's no accident that you'll find a smiley face on all things Honor. COMMITMENTS TO LIVING "I AM HONOR": Act with Urgency and Care - You have the direct authority and responsibility to act and seek out solutions. The Platinum Rule - Treat others the way they want to be treated. Make the Connection - Develop genuine relationships so you can provide a "WOW" experience. See a Need, Fill a Need - Seize opportunities to help others meet their needs, whether they are known or unrealized. Reason over Rules - Make decisions that are good for the person and good for Honor. Cultivate Peace & Love - Uphold an environment where diversity is celebrated, kindness is contagious, and everyone belongs. WHAT WE ARE LOOKING FOR: Responsible for planning, organizing, scheduling and directing activities of the Business Services Credit and Operations Teams. Oversees all business credit functions, and overall operations functions, including, but not limited to, loan analysis, processing, portfolio concentration limits, portfolio performance reporting, and supports commercial collections related activities as needed. Manages and monitors the business loan portfolio, including credit risk monitoring, construction loan management, loan participation purchasing and selling, treasury management solutions, and vendor management. Decisions loan requests within designated approval authority as outlined in the business lending policy, including recommendations in areas outside of their loan authority. Conducts and reviews most complex commercial credit analysis by evaluating the risk of the borrower. Helps support and direct the Treasury Management Department. Develops and implements credit risk policies, departmental policies, and operational procedures as needed. Ensures business operations activities are conducted in accordance with the business lending policy and compliance standards. Participates and serves as a key member of the Credit Committee. Trains, coordinates, supervises, and evaluates Business Services Operations and Credit Teams. Ensures Commercial Lending is delivered professionally and efficiently. WHAT WE EXPECT FROM YOU: EDUCATION/CERTIFICATION: Bachelor's degree in Business, Finance, Accounting, or related field is required; or an equivalent combination of training and work experience. EXPERIENCE REQUIRED: Five plus years of similar or related experience, including preparatory experience. Experience leading a credit team/department is required. Experience analyzing business financial statements and assessing the viability of businesses. KNOWLEDGE/SKILLS/ABILITIES: Must have a demonstrated ability to keep finances in order. Knowledge of commercial lending practices and procedures. Excellent communication and interpersonal skills. Strong project management and organizational skills. High degree of accuracy and attention to detail. Strong proven record of management skills and leading a team. At all times follows the core values of the credit union - honesty, truth, respect, and integrity. WHAT’S IN IT FOR YOU: Honor has excellent benefits for all full and part time team members. We offer: Medical with prescription coverage, Dental, and Vision. 401k employer contribution & matching program. Paid time off and paid holidays (including your birthday). Paid community volunteer hours. Wellbeing spending account. Various discounts on credit union products and services for team members & their families. Additional perks included. #J-18808-Ljbffr



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