Sr Commercial Credit Manager

Position Summary

The Senior Commercial Credit Manager is responsible for managing and training Credit Analysts, mentoring them to enhance their skills and ensure high standards of credit analysis. This includes fostering an environment of continuous learning, reviewing and redlining memos for accuracy, and acting as a liaison between Loan Officers and Credit Analysts to streamline communication. The role also serves as a policy expert, ensuring compliance with regulatory standards, and provides support as a resource for special projects and initiatives within the commercial lending group.

In addition, the position involves underwriting commercial credit exposures when necessary to meet volume demands. This includes analyzing credit and financial information to assess credit quality and minimize risk, particularly for complex relationships involving larger dollar exposures. By fostering collaboration between Loan Officers and Credit Analysts and contributing to strategic lending growth, the Senior Commercial Credit Manager plays a key role in maintaining asset quality and adhering to risk management practices.

Essential Functions

• Manage and train Credit Analysts to ensure high-quality credit analysis and professional growth.
• Mentor Credit Analysts to enhance their skills, performance, and career development.
• Foster an environment of continuous learning within the credit analysis team.
• Review and redline memos to ensure clarity, accuracy, and consistency.
• Act as a liaison between Loan Officers and Credit Analysts to streamline communication and collaboration.
• Serve as a policy expert, ensuring adherence to regulatory standards and organizational guidelines.
• Underwrite commercial credit exposures as needed to meet volume demands.
• Analyze credit and financial information to assess credit quality and minimize risk.
• Evaluate complex credit requests involving large dollar exposures and higher risk.
• Develop strategies to minimize risk and potential loss to the organization.
• Support special projects and initiatives within the commercial lending group.
• Provide input and expertise in strategic lending growth initiatives.
• Maintain asset quality while adhering to risk management standards.
• Collaborate with Loan Officers to ensure smooth credit approval processes.
• Provide technical guidance and feedback on credit analysis and underwriting practices.
• Conduct performance reviews and offer constructive feedback to Credit Analysts.
• Ensure compliance with industry regulations and internal policies.
• Offer recommendations to improve credit policies and procedures.
• Monitor credit portfolio performance to identify potential risks and trends.
• Represent the commercial lending group in meetings, presentations, and strategic discussions.
• Other duties as assigned.