Commercial Credit Manager

1 week ago

Apple Valley, MN, United States Settlers best Credit Union Full time
Job Summary:

This role provides leadership and oversight of the commercial credit analyst team. They also bring a high level of expertise in understanding commercial credit and assessing risk, serving as a resource to the credit analyst team as well as the commercial lenders in structuring and analyzing commercial loan relationships. They establish procedures for the team and provide guidance on systems and resources used for completing effective and relevant credit analysis. They also support the risk management function by ensuring that department and regulatory reporting is effective and accurate.

Essential Functions:

  • Manage the Commercial Credit team to ensure timely and accurate completion of the analysis, underwriting, approval documentation and periodic reviews of commercial loan files.
  • Plan and coordinate training, providing mentoring in order to continuously develop the team’s skills and abilities including those functions detailed below.
  • Identify and address short-term planning needs, providing insight to leadership for long-term planning.
  • Review credit analyst new credit presentations and annual reviews prior to submitting for final approval.
  • Approve new loans, annual reviews and exceptions within granted authority.
  • Ensure that property appraisals and appraisal reviews effectively assess collateral values; on occasion may provide valuation or review analysis.
  • Assist in collection of information for annual review preparation to support prudent loan portfolio management and ensuring compliance with NCUA guidelines.
  • Provide subject-matter expertise and department representation to organizational projects and/or initiatives.
  • Develop reports to identify credit risk changes in the loan portfolio and according to established policies and procedures.
  • Coordinate site visits with prospects or members at property or business location to assess ongoing business and/or property cash flow generation capability.
  • Participate in organizational initiatives such as M&A due diligence and integration, regulatory exams and third-party audits.
  • Performs other duties as assigned.
Leadership Responsibilities: Responsibilities include interviewing, hiring, and provide training to employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems.

Qualifications:
  • College degree preferred or equivalent work experience as demonstrated by increased levels of accountability, knowledge required
  • Minimum of 5 years of commercial and/or commercial real estate lending underwriting experience required
  • 1-3 years of experience in formal people leadership is strongly preferred.
  • Experienced and proficient in the use of financial spreading and analysis software such as nCino, Fiscal, Baker Hill, or similar
  • Experienced and proficient with commercial lending and real estate regulations and best practices
  • Experienced and proficient in Microsoft Office products including: Excel, Word and PowerPoint
  • Excellent oral and written communication skills
  • Strategic Mindset: Track record of seeing ahead to future possibilities and translating them into breakthrough strategies.
  • Ensures Accountability: Known for holding self and others accountable to meet commitments.
  • Drives Engagement: Proven ability to create a climate where people are motivated to do their best to help the organization achieve its objectives.
  • Instills Trust: Demonstrated ability to gain the confidence and trust of others through honesty, integrity, and authenticity.
  • Bondable
Pay Range: $125k-$142k plus 15% annual target bonus. The estimated hiring range is the budgeted amount for this position. Final offers are based on various factors, including skill set, experience, location, qualifications and other job-related reasons.

BENEFITS:
  • Generous 401(k) match
  • 401k Discretionary Profit Sharing
  • Health Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Short Term and Long Term Disability
  • Health Savings Account with company contribution
  • Employee Assistance Program
  • Paid Vacation, Sick, Floating Holidays and Volunteer Time Off
  • Paid Holidays
  • Tuition Reimbursement
  • Paid Parental Leave


Equal Opportunity Employer

This employer is required to notify all applicants of their rights pursuant to federal employment laws.
For further information, please review the Know Your Rights notice from the Department of Labor.

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