Credit Department Manager

** Credit Department Manager**
**Job Category****:** Lending

**Requisition Number****:** CREDI002180

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**Job Details**
**Description**
**Credit Department Manager**
Credit Department Manager
Job Function: Within a dynamic credit environment, manage all aspects of the banks Credit Department. This includes the active management and development of a team of Credit Analysts.
Leads development of the banks CECL modeling and ongoing management of the banks loan loss reserve including preparation of the quarterly ALLL and workout loans. Administer the many software programs utilized by the Credit Department. Supervise preparation of the minutes for various loan committees. Ensure that quarterly portfolio reports are prepared accurately and timely. Oversee preparation of monthly loan related reports presented to the Board of Directors. Provide leadership and promote sound and consistent underwriting, including the use of Sageworks loan origination system.
**Essential Duties and Responsibilities:**
* Management and development of a team of credit Analysts to handle underwriting and portfolio monitoring responsibilities at the most efficient level possible. Make hiring decisions and effectively coach and mentor while helping develop career paths that result in associate retention and advancement as appropriate.
* Prepare the banks quarterly ALLL and develop the banks CECL (Current Expected Credit Loss) methodologies and models. Test various models and prepare for parallel runs and ultimately adoption of CECL in accordance with regulatory guidelines.
* Coordinate timely updates to quarterly Action Plans for problem credits and regularly attend Problem Loan Committee meetings. Ensure effective communication with Chief Credit Officer and other members of Executive management regarding the status of workout scenarios.
* Oversee development of small business lending and real estate appraisal areas.
* Manage and enhance the CCB Institute of Credit Training to identify future Credit Analysts and encourage careers in credit by creating additional entry points into Credit from both internal and external sources. Teach Credit Analysts to identify risk and trends in borrowers performance, portfolio segments, industries, and markets based on the unique and dynamic characteristics of each. Evaluate and discuss the degree of risk involved in extending credit by performing cash flow analysis of businesses and global cash flow analysis of larger credit relationships. Develop intellectual curiosity in the Credit Analysts and enhance their public speaking and presentation skills.
* Administer credit related software. Negotiate contract renewals. Effectively deliver a suite of credit related products, through Credit Analysts that facilitate the credit underwriting process. Prior experience with Sageworks is preferred.
* Display a well-rounded knowledge of local market dynamics, a variety of borrower types and a variety of industries. Consistently communicate in a professional manner that is constructive and influential. Build trust through a communication style that reflects a willingness to listen to and consider alternatives, while maintaining an objective and independent perspective.
* Ensure that Board reports and committee minutes are prepared accurately and timely. Maintain and create portfolio level loan reports for use by the Chief Credit Officer to manage a variety of risks.
* Promote sound and consistent underwriting while utilizing bank approved systems such as Sageworks. Manage the Sageworks Administrator(s) to ensure that feedback from the line lenders and Loan Assistants is effectively vetted and implemented as appropriate. Through the Administrator, ensure that appropriate ongoing and onboarding training of lenders is taking place.
* Serve as an effective knowledge resource for those in the Credit Analyst 1, 2 and 3 positions and others that require assistance in learning foundational credit skills and information. Contributes to team effort by accomplishing related results as needed.
* Encourage Credit Analysts to further expand a professional network by initiating relationships with other professionals (CPAs, attorneys, appraisers, etc.) to begin referral network for new business beyond participating in groups such as RMA and its Young Professionals group.
* Review legal documents and supporting information for proper perfection. Strong leadership, management, and work ethic with effective time management demonstrated by meeting productivity goals and work-product quality goals through intense and focused effort.
* Identify areas of personal performance in which continuing development or additional training is desired or required in order to further enhance professional development. Attend relevant Country Club Bank internal and external continuing education opportunities, as required.
* Exhibits good leadership and management capabilities including effective coaching, counseling and performance management of staff to accomplish department objectives.
* Maintains staff by recruiting, selecting, orienting, and training associates. Accomplishes staff results by communicating job expectations, planning, monitoring and appraising job results.
* Follow established policies and procedures. Develops, coordinates and enforces systems, policies, procedures, and productivity standards.
* Defines objectives, identifies and evaluates trends and options, chooses a course of action, and evaluates outcomes.
* Maintains quality service by enforcing quality and customer service standards, analyzing and resolving quality and customer service problems, and recommending system improvements.
* Attend work regularly and consistently to ensure appropriate staffing needs are met within the department and the organization and needs are met in a timely fashion.
**Job Qualifications/ Required Skills and Abilities:**
* Minimum of 10 years prior banking or other relevant experience in commercial lending, loan review, loan operations or regulatory environment with the desire to expand their level of knowledge in a variety of credit related topics.
* An advanced knowledge of credit analysis, loan underwriting and the overall field of risk assessment as applied to a diversified loan portfolio. The demonstrated ability to spread financial statements in Sageworks or similar type spreadsheet. In addition to a significant level of general business knowledge, possesses a significant base of knowledge across several business related disciplines including Accounting, Economics, Finance, financial modeling and forecasting. 12 or more hours of completed college level accounting coursework strongly preferred; however, other advanced degrees might be considered suitable alternatives in combination with experience.
* Strong leadership, management, and work ethic with effective time management demonstrated by meeting productivity goals and work-product quality goals through intense and focused effort. Exhibits a high level of emotional intelligence. Fosters teamwork and exhibits the ability to provide feedback, have critical conversations, and hold associates accountable for outcomes.
* Good oral and written communication skills, including the demonstrated ability to effectively communicate in the English language (both written and verbal).
* Proficiency in Microsoft applications (primarily Word, Excel, PowerPoint and Access), and general computer, web, and office equipment utilization. Possess the aptitude to learn a variety of bank systems.
* The ability to build rapport with a wide ranging audience (e.g. all levels of bank personnel, outside consultants, regulators, etc.). Adept at developing standards and performance expectations that align with corporate goals.
* Ability to communicate effectively and professionally.
* Capacity and willingness to develop and utilize an appreciation for details and more abstract, big-picture conce

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