Commercial Credit Manager

Commercial Credit Manager

The Commercial Credit Manager functions as a team leader and credit resource recommending appropriate structures, risk mitigants, and risk ratings for a wide range of loan requests while managing workflow and supervising Credit Analysts. Works closely with business line partners to efficiently and strategically grow the commercial loan portfolio. Supports timely completion of credit requests and ensures that work product is aligned with bank standards for consistent content / format and adheres to applicable commercial policies and regulations. This position is responsible for coaching and mentoring Credit Analysts and underwrites more complex credits as needed. Responsibilities may be allocated by region and / or credit products supported.

Essential Functions

• Ensure underwriting products is consistent with established content and format requirements and aligned with Credit Policy
• Maintain a knowledge and understanding of regulatory / accounting concepts affecting commercial credit, including Appraising / FIRREA, Troubled Debt Restructuring, Non-Accrual and Impairment
• Participate in quarterly "watch list" meetings with lending and supervisory staff
• Assist Director of Credit Management in communicating risk appetite to team and business partners and ensure salient credit risks are fully discussed in the credit decision process
• Support adherence to credit quality standards and concentration limits
• Assure financial statements, industry data, and any applicable third-party due diligence are obtained for underwriting
• Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review for depth of underwriting, appropriateness of structure, identification of Policy Exceptions, and stress tested analysis of credits underwritten
• Ability to manage, mentor and develop skills of credit analysts
• Analyze financial statements
• Identify and resolve problems or issues with escalation to senior managers as appropriate
• Remain current on all banking rules and regulations relating to Credit Administration
• Meet or exceed established service level expectations
• Participate with the lending staff on commercial credit customer calls as needed
• Independently review and analyze credit requests including large and complex commercial and industrial and commercial real estate with the objective of facilitating loan originations in a timely manner, within acceptable credit risk parameters
• Maintain the desired balance between growth, profitability, and credit quality
• Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses
• Recommend improvements to policies, procedures, and work flow to maximize efficiency and control costs
• Identify potential for credit losses and proposing appropriate risk mitigants as appropriate
• Ensure compliance with Northwest's policies and procedures, and Federal / State regulations
• Navigate Microsoft Office Software, computer applications, and software specific to the department to maximize technology tools and gain efficiency
• Work as part of a team

Education and Experience

Bachelor's degree in business, accounting or related degree. 8-12 years of experience in an area related to commercial lending and / or commercial credit administration, specifically related to Commercial, CRE, SBA, Sponsor, Corporate, and Equipment finance. Financial analysis skills for complex and diverse loan portfolio, with ability to distill primary credit risk issues from detailed analyses; propose appropriate loan structures and risk ratings. Knowledge of credit standards and underwriting practices covering a broad range of commercial credits including C&I, CRE, Municipal Lending, and Lending to Non-profit Organizations.