Credit Department Manager

Position Summary

The Credit Department Manager must have an extensive understanding and background of all aspects of the commercial loan underwriting and financial analysis process. Must promote a positive credit culture throughout the bank.

Essential Functions

• Oversee the function of the Credit Underwriting Group (CUG) to facilitate the timely review of all loan transaction and servicing requests as presented.
• Supervise and train department analyst's to continue their growth and knowledge levels in all facets of lending and the bank's goals and philosophies
• Conduct performance reviews for direct reports
• Ensure quality underwriting and meaningful financial analysis for all loan proposals
• Interact with Loan Closing and Loan Officers to identify and eliminate issues to improve the overall loan process
• Make recommendations based on credit findings for all transactions in excess of lending authority
• Communicate with all bank departments as well as outside attorneys, appraisers, environmental assessors, etc.
• Complete special projects as assigned by Chief Credit Officer

Additional Functions

Education and Experience

Knowledge, Skills, and Abilities

Physical Requirements

Working Conditions

Compliance

All qualified applicants will receive consideration for employment without regard to race, color, age, religion, gender, sexual orientation, gender identity, national origin, protected veteran status or disability.

This job description is not an employment agreement or contract, implied or otherwise. Unity Bank maintains "at will" employment.

This document describes the position currently available. It is intended to convey information essential to understanding the scope of the position and is not an exhaustive list of skills, efforts, duties, responsibilities, or working conditions associated with it. Unity Bank reserves the right to modify duties or job descriptions at any time. Nothing in this job description restricts management's right to assign or reassign duties and responsibilities at any time. Individuals may perform other duties as assigned, including work in other functional areas to cover absences or relief, to equalize peak work periods, or otherwise balance the workload.

Unity Bank is committed to the principles of equal employment opportunity and prohibits discrimination in hiring, promotion and terms and conditions of employment on the basis of race, creed, color, national origin / nationality, ancestry, religion / religious practices or observances, age, sex, gender identity or expression, affectional or sexual orientation, marital status, civil union status, domestic partnership status, disability or perceived disability, atypical hereditary cellular or blood trait, genetic information, and status as a veteran or disabled veteran of, or liability for service in, the Armed Forces of the United States.

Unity Bank commits to making reasonable accommodation to the known physical or mental limitations of qualified individuals with disabilities and qualified disabled veterans provided the individual is able to perform the essential functions of the job , unless such accommodation would impose an undue hardship upon Unity Bank. A qualified employee or job applicant with a disability may request a reasonable accommodation by contacting Unity Bank's human resources department.