Job Description:

Title: Credit Manager 

The Credit Manager is responsible for underwriting commercial loans in accordance to WEOKIE policies and procedures, while adhering to federal regulations

 

1. Analyze and underwrite new credits to include analysis of cash flow, financial condition, management ability, collateral valuation, and economic conditions on loan requests. Assign each credit request with a risk rating and present for approval.
2. Complete annual reviews on existing credits to include analysis of cash flow, financial condition, management ability, repayment history, and economic conditions. Evaluate compliance with loan covenants and provide recommendations for borrower financial management. Assign each credit with a risk rating.

1. Provide assistance to commercial lenders in terms of discussing loan structure and participating on selected member and prospect calls.
2. Assist supervisor in satisfying regulatory requirements as provided by federal authorities. Ensure proper policies, procedures, risk mitigation activities, and operating controls are followed. Reports gaps in policies, procedures, and operation controls to leadership to ensure member impact and risk is mitigated.

1. Manage and lead the credit analysts’ team and ensure adherence to credit policies and procedures as approved by the board of directors.

 

1. Portfolio management duties: Monitor loan concentrations, conduct portfolio stress testing, and recommend risk rating assignment for new and existing loans.

 

 

1. Member-owners and new prospects receive a consistently superior level of service and attention from the credit union.

1. Goals for commercial loan growth is met and often exceeded.
2. Goals for timeliness and accuracy in work are consistently met and often exceeded.

1. Calls to members and potential clients are normally returned the same day received or within 24 hours of receiving the message.

1. Reports are accurate and prepared on a timely basis, within the first 7 business days of the month.

1. A high level of personal credibility and respect from business leaders and owners is achieved resulting in WEOKIE being viewed as a trusted financial advisor.

1. WEOKIE'S vision and mission is effectively communicated to show the credit union difference.

1. All activities are efficiently conducted, generally error free, and are completed following the appropriate policies, procedures, operational controls, and compliance controls.
2. Losses, errors, and risks are controlled and mitigated by adhering to all applicable policies and procedures.

 

 

Specialized or Technical Knowledge and Skills:

A Bachelor’s Degree in Finance, Accounting, or Business related field is preferred.

1. Minimum of 3 years of business or financial institution related experience required.
2.Proven ability to learn complex or sophisticated concepts and apply them appropriately is required
3.Understanding the credit union movement as well as knowledge of WEOKIE products and services and the ability to effectively communicate these benefits is preferred.

4. Demonstrated ability to learn and utilize the necessary software to complete job functions.
5. Working knowledge of income statements, balance sheets, and other corporate financial documents is preferred.

 

Behavioral Competencies: Behavioral competencies are the skills and personal characteristics that an individual should possess in order to be successful in this position.

1. Core Competencies: Core competencies are consistent for all positions across the organization and are aligned with WEOKIE’s core values.
   1. Member Focus (internal and external): Builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving member problems, ensures commitments to members are met, solicits opinions and ideas from members, responds to internal members.

1. Dependability: Meets commitments, works independently, accepts accountability, handles change, sets personal standards, stays focused under pressure, and meets attendance/punctuality requirements.
2. Integrity/Ethics: Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys good news and bad.
3. Job Specific Competencies: The position requires a wellrounded and levelheaded individual who is able to maintain composure in a variety of situations. The following stand out among a long list of behavioral competencies for this position:

 

1. Leadership: Leads through change and adversity, makes the tough call when needed, builds consensus when appropriate, motivates and encourages others.
2. Managing for Results: Sets challenging and productive goals for team, keeps team accountable for actions, provides leadership and motivation, provides resources and support, uses checkpoints and data to track progress, sets up systems and processes to measure results.
3. Managing Performance: Applies clear/consistent performance standards, handles performance problems decisively and objectively, is direct but tactful, provides guidance and assistance to improve performance.
4. People Development: Provides feedback and coaching, rewards hard work and risk taking, takes mentoring role, challenges and develops employees, accepts mistakes, provides visibility/opportunity.
5. Job Knowledge: Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues.

 

Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand; walk; sit; use hands to finger, handle, or feel; reach with hands and arms; climb or balance; stoop, kneel, crouch, or crawl and talk or hear. The employee must occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include color vision, peripheral vision, depth perception and ability to adjust focus.

 

Work Environment: 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. The worker is not substantially exposed to adverse environmental conditions. The noise level in the work environment is usually moderate.

EQUAL EMPLOYMENT OPPORTUNITY/AFFIRMATIVE ACTION EMPLOYER

WEOKIE does not and shall not discriminate on the basis of Protected Status, marital status, and political belief or any other status or condition protected by applicable federal and/or state law. Bona fide occupational qualifications will be applied impartially. These activities include, but are not limited to, hiring of staff, selection of volunteers and vendors, and provision of services. We are committed to providing an inclusive and welcoming environment for all our members, our staff, clients, volunteers, subcontractors, vendors, and clients.

Equal Opportunity Employer, including disability/protected veterans



Equal employment opportunity, including veterans and individuals with disabilities.

PI267978637

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