Credit Manager

The Dallas Credit Manager is responsible for the overall management of the Credit Analysts, which includes developing and improving operational goals, staffing, training, and development of staff. Under general supervision, but according to established policies and procedures, Dallas Credit Manager will oversee all loan documentation completed by the Analysts and provide guidance as needed.

Principal Responsibilities and Duties

Managerial Responsibilities

·        Oversees the daily workflow of the analyst department.

·        Set performance goals and provide constructive feedback on performance. 

·        Provide training and guidance to the analyst staff to help develop their personal growth opportunities.

·        Ensure that all internal credit policies and procedures are adhered to and assist in the development or enhancement of policies, procedures and forms used by the credit department.

·        Attend applicable Committee, portfolio review, problem asset review and business controls meetings, and hold routine informational meetings with first- and second-line senior business leaders and personnel to gain and share perspectives on these matters.

Analyst Review

·        Review all produced loan documents for quality control, accuracy, and uniformness.

·        Oversee the development and updating with any policy changes to all forms used to improve efficiency of the analyst department.

Analyst Responsibilities

·        Maintain awareness of general economic conditions, industry trends and product specific issues, along with an advanced working knowledge of pertinent regulatory considerations.

·        Perform risk assessment and review the assessments on the credit proposals submitted by the front-line officers.

·        Exercise credit judgment and make sound credit recommendations.

·        Perform pro-active on-going credit monitoring and risk management on the client as well as the portfolio level.

·        Accurately document and communicate key risks to Officers and team members.

·        Provide recommendations regarding possible approaches to resolving foreseen risks.

·        Participate in special projects, internal or external audits, evaluations, and process improvements in support of governance initiatives.

·        Maintain regular and punctual attendance.

·        Work cooperatively with others.

·        Performs other duties as required or assigned which are reasonably within the scope of the duties in this job classification.

Skills and Abilities Required

• Demonstrated analytical aptitude and ability to mitigate risk.
• Proven ability to solve complex data related issues.
• Strong ability to work well under pressure, multi-task exceptionally, produce quality work within a narrow window of time, and learn and adapt to varied and added responsibilities.
• Ability to develop specific goals and plans to prioritize, organize, and delegate department workflow.
• Strong communication skills to effectively convey information with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.
• Demonstrated ability to work cross functionally among departments, excellent customer service skills.
• Must have proven analytical and technical skills to be able to devise new and adapt existing methods, techniques, and procedures to meet specific requirements or take corrective action.
• Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills.
• Ability to manage multiple projects and programs at the same time to complete work.
• Ability to adapt to technology changes and apply new knowledge to responsibilities.

Certifications/Education and Experience

• Bachelor’s Degree in Accounting, Finance, or Business Administration required.
• 1-3 years of supervisory experience preferred.
• Minimum of three years of experience with credit risk and data capture and structuring.
• Experience with reading, interpreting, and making business decisions based upon corporate financial statements.
• Minimum of 1 year of experience using Cash Suite-Insight
• Minimum of 3 years of experience using Microsoft Excel, proficient in Microsoft Word, and Outlook.
• Minimum of 3 years of experience with applied knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
• Minimum of 4 years of experience of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
• Certification in or working towards certification in one or more of the following:
• Credit Analysis Certificate
• American Bankers Association Financial and Credit Risk Management certificate.
• Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
• Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
• General knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.

 Working Conditions

• Busy environment with varied noise and at times of heavy distraction
• Indoor, in an office environment, with a typical 40-hour workweek
• High levels of noise produced by bank equipment.
• Considerable effort and eyestrain from continuous computer use.

Physical Requirements

• Occasionally move office equipment, and files weighing 10 pounds.
• Constantly operate a computer and other office productivity machinery, such as a calculator, copy machine, and computer printer.
• Ability to produce reports, memos, etc. in a comprehensive manner.
• This position frequently communicates with colleagues, customers, officers, and committees. Must be able to exchange accurate information in these situations.
• Must be able to remain in a stationary position 25% of the time to process work and assist customers.