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Director, Business Credit

3 weeks ago

United States Firefighters First Credit Union Full time

Director, Business Credit (Los Angeles, CA)

The business credit director at Firefighters First Credit Union (FFCU) is responsible for all commercial loan underwriting, processing, portfolio management and credit risk management activities, and the quality of the commercial loan portfolio. As a leader, the business credit director sets the department's credit objectives, delivers services, and manages for results through his/her team members. The business credit director also ensures that the team is appropriately staffed, have the necessary training and resources to successfully perform their work, and meet individual and organizational objectives. Overall, the business credit director is responsible for building a high-quality commercial loan portfolio, while optimizing FFCU business member access to loan funds, through pro-active planning, development, implementation, and management of the commercial loan lending program. 

Typical Responsibilities:

  • Drive the commercial credit operations and objectives to deliver the strategic vision.
  • Train, coach, supervise, and performance manage commercial credit employees.
  • Evaluate and manage the portfolio of new and existing commercial loans.
  • Manage the commercial credit underwriting process to provide business members with exceptional service while maintaining compliance with laws, regulations, and guidelines.
  • Assist members with questions about complex commercial credit matters.
  • Review commercial credit policies, processes, and practices on a consistent basis to ensure compliance with regulatory requirements, prepare responses to audits or examination findings, and implement corrective actions.
  • Participate in developing new commercial credit programs that provide for the needs of business members.
  • Participate in special projects and perform other duties and assignments as needed.
  • Travel as needed to attend meetings, conferences, training, and other work-related events.

Basic Qualifications:

  • Bachelor's degree or higher in Business, Finance, Accounting, Economics, or a related field.
  • Minimum 10 years' experience with credit administration and portfolio management.
  • Minimum 3 years' experience supervising or managing employees in a financial institution.
  • Experience structuring commercial and industrial (C & I) loans and commercial real estate loans.

Preferred Qualifications:

  • Experience processing credit card requests.
  • Experience risk rating loans.
  • Experience preparing responses to audits or examination findings and implementing corrective actions.
  • Ability to lead, direct, and manage team members across remote locations to achieve results.
  • Knowledge of applicable federal and state regulations.
  • Knowledge of and experience with commercial credit, including loan operations, credit fundamentals, and underwriting process.
  • Knowledge of and experience with the corporate real estate loan and underwriting process.
  • Knowledge of NCUA Part 723, Member Business Loans.
  • Knowledge of application of business lending standard operating policies and procedures, as well as state and federal laws and regulations.
  • Knowledge of and experience with documenting and tracking all transactions in compliance with laws, regulations, policies, and guidelines.
  • Knowledge of and experience with standard or typical metrics associated with managing commercial credit operations.
  • Knowledge of and experience with monitoring reports for unusual transactions and appropriate loan grades, timely submission of financial statements, borrowing base, compliance certificates, and compliance with financial covenants.
  • Knowledge of business, personal, and insurance products and services.
  • Knowledge of current industry offers, market trends, competitors, and Credit Union lending and member service policies and procedures.
  • Knowledge of and experience with lending structures and cash flow analysis. Ability to interpret and apply financial information (e.g., credit scores, debt, assets, balances, payments, interest rates, etc.) and perform math functions (e.g., addition, subtraction, multiplication, division, percentages, ratios, etc.).
  • Ability to consult, provide member services, and achieve relationship sales objectives by anticipating and understanding member's needs and recommending products that will benefit their short and long-term financial needs.
  • Demonstrates analytical thinking, problem solving, decision making, and judgment by gathering and applying relevant data to research and resolve issues.
  • Ability to prioritize and organize work, handle multiple tasks, and meet deadlines in a fast paced, high-volume environment.
  • Speaks and writes English using the correct vocabulary, grammar, tone, and organization. Adjusts communication content, style, and presentation to fit a variety of audiences including executives, employees, vendors, members, and other external stakeholders and agencies.
  • Experience performing basic office functions such as answering phones, copying papers, assembling reports, scheduling meetings, and sending and receiving correspondence.
  • Demonstrates the ability to use office software to create written documents (e.g., MS Word and PowerPoint) and prepare spreadsheets (e.g., MS Excel), as well as database applications to enter, maintain, and report data.
  • Demonstrates experience and behavior consistent with FFCU's core values of competence, integrity, excellence, curiosity, positivity, and humility.