The VP, Credit Manager is responsible for providing support and direction for Senior Credit Analysis staff. Responsible for the oversight of work product produced by the credit team.
Primary Accountabilities:
Leadership, Management & Accountability (LMA): Leads, manages and holds Credit Analysis staff accountable for achieving agreed-upon commitments and demonstrating a One Team mentality. Helps manage the credit analysis workflow, meet client service expectations, and contribute to fulfilling the team's strategic initiatives. Plays a positive role in the continued development and growth of the Bank's Senior Credit Analysis staff. Drives consistency, accuracy, and adherence to Loan Policy in credit presentations.
Analysis & Underwriting: Serve as an expert in preparing and contributing to credit presentations that sufficiently and appropriately summarize the analysis of the sources of repayment using a risk-based approach. Demonstrates expertise and experience in analyzing and underwriting complex credits. Maintains knowledge in assessing creditworthiness of borrowers, financial analysis and the Bank's Loan Policy.
Credit Administration: Partners with credit team and lenders to support on-going credit administration and portfolio management. Ensures electronic credit files are maintained appropriately by credit team. Develop user efficiencies within customer relationship management system. Supports the maintenance of the Bank's Loan Policy and documentation of approval forms and documents.
Credit Approval: Responsible for reviewing and approving credit transactions as designated in the Bank's Loan Policy. May serve on credit committees to provide feedback to lenders and analysts on underwriting, structuring, documentation and monitoring.
Documentation: Demonstrated expertise and experience to coordinate accurate documentation of all components of the approved credit accommodation, including perfection of collateral. Expert in using Excel to its fullest capacity including, designing and implementing complex spreadsheets, tables and financials for credit presentations. Together with lender, collaborate with bank counsel on complex credits and structures.
Collaboration: Partners with Credit Management, Risk, Loan Administration and Credit Administration staff to identify opportunities for training, development, process improvement, and new initiatives. Serves as an expert resource for credit analysts.
Other Duties:
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time without notice.
Requirements:
Expectations, Skills & Qualifications:
A role model for our core values: Do the Right Thing, G.S.D. (Get Stuff Done), One Team, and Give Generously
Demonstrated commitment to defect free, timely, and caring client service
Able to perform at a high level in a fast-paced environment
Flexible to change in a growing organization
Experience in developing training resources/guides
Appropriately creative, particularly regarding process improvement
Able to hold others accountable for their actions
Self-motivated and persistent in following through/resourceful work ethic
Detail oriented and highly analytical
Excellent verbal and written communication skills
Proficient at Microsoft Excel, Word, Outlook and PowerPoint; strong technical ability
Experience in various software's such as, Baker Hill Spreading, CoStar and Fiserv preferred
An independent, quick learner
Able to prioritize and manage multiple projects/tasks
Demonstrate a collaborative work style and respect for others
Is accountable for demonstrating compliance with the Bank Secrecy Act, Privacy of Consumer Financial Information and all other federal and state rules and regulations as it pertains to their position at the bank.
Keep well informed as to market conditions as it relates to assessing risk in credit transactions.
Education & Experience:
A Bachelor's Degree from four-year College or University with emphasis on business, finance, accounting, or statistics; a minimum of 7 years of experience in banking in a similar role (e.g. commercial and consumer lending/credit analysis); or equivalent combination of education and experience.
Work Environment:
While performing the duties of this job, the employee is regularly required to stand, walk, use hands to type, carry, handle and feel objects, reach with hands and arms, talk or hear. The employee must occasionally lift and/or move up to 25 pounds and more with assistance. Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception in the window environment and the ability to adjust focus.
This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Local travel is expected for this position
*The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Tradition Capital Bank is an Equal Employment Opportunity and Affirmative Action employer. All qualified applicants will receive consideration for employment without regard to race; color; creed; religion; national origin; sex; pregnancy, childbirth, and related disabilities; marital status; status with regard to public assistance; disability; genetic information; sexual orientation, off duty usage of lawful products; familial status; status as a patient enrolled in the marijuana registry program; membership or activity in a local commission; citizenship status; uniform servicemember status; and age; or any other protected class under federal, state, or local law.
