Head of Commercial Credit Operations

2 weeks ago


Austin, Texas, United States AMERICAN BANK OF COMMERCE Full time
Position Overview

The American Bank of Commerce is seeking an experienced leader to oversee our Commercial Credit Department. The Director of Commercial Credit plays a vital role in the management team and will be responsible for directing all aspects of the lending process.

This role entails supervising the entire lending lifecycle, from the initial application through to underwriting and the final decision-making process. The Director will assess credit data and financial statements from both new and existing clients to evaluate the risk associated with extending credit.

Key Responsibilities:

  1. Ensure all necessary loan request documentation is complete to facilitate the underwriting process.
  2. Maintain compliance with relevant laws and regulations, ensuring adherence to internal policies and procedures.
  3. Design and implement training programs for credit analysts to enhance their skills and knowledge.
  4. Conduct thorough analyses of credit data and financial statements to determine risk levels.
  5. Prepare detailed loan memorandums and present them to loan committees for evaluation.
  6. Evaluate customer financial histories and recommend appropriate payment plans.
  7. Review and verify the accuracy of credit underwriting memorandums prior to submission.
  8. Manage the workflow and administrative functions of the Credit Department in collaboration with other departments.
  9. Oversee personnel management duties, including recruitment, performance evaluations, and disciplinary actions.
  10. Ensure compliance with all federal, state, and company policies and procedures.

Benefits:

We offer a competitive salary along with a comprehensive benefits package, which may include:

  • Medical, Dental, and Vision coverage
  • Paid Time Off and Holidays
  • Flexible Spending Accounts
  • Life and Disability Insurance
  • 401k Retirement Plan
  • Employee Stock Ownership Plan
  • Gym Membership Reimbursement

Our Commitment:

The American Bank of Commerce is dedicated to fostering a diverse and inclusive workplace. We encourage applicants from all backgrounds to apply and contribute to our mission of providing exceptional financial services.

All candidates must demonstrate a commitment to our values and goals, ensuring customer satisfaction and loyalty remain our top priorities.



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