|Title||VP / Commercial Credit – 1720|
Responsible, through a process of independent, internal review, assessment, and analysis; to identify, evaluate, and report on credit risk exposure in the commercial loan portfolio. Maintains ongoing communications with the Chief Risk Officer, Chief Commercial Banking Officer, and Commercial Loan Department regarding credit analysis and loan review results. Manages the credit pipeline for new loan proposals requiring write-up and analysis, as well as annual review assignments. Assigns credit reviews for proposed new loan relationships, loan renewals, loan modifications, and workout related strategies. Performs credit write-ups and annual loan reviews for the more complex, commercial loan relationships, including Commercial & Industrial loan related proposals. Reviews loan proposals to ensure that the proper structure and covenants are present. Works with the credit analysts and the loan officers to strengthen and adjust structures and covenants in a mutually agreeable fashion. Responsible for managing and providing oversight, supervision, and training for the commercial credit analysts. Manages the commercial appraisal ordering and review process in compliance with regulatory guidelines including USPAP, FIRREA, and internal appraisal policies.
|Qualifications & Requirements||
7-10+ yrs. exp. in progressively responsible positions in credit analysis / lending, with significant exposure to commercial and industrial loan analysis and portfolio reporting. 4 yr. degree in Business, Finance or Accounting, MBA a plus. Formal Credit Trained preferred. Ability to complete complex credit analyses and to write thorough and comprehensive loan summaries. Strong analytical skills along with a solid understanding of financial accounting. Thorough knowledge of the Bank’s lending products, credit analysis, policies and procedures.
|Education||4 yr. degree MBA +|