Commercial Loan Credit Manager

Overview

The Credit Manager is responsible for coordinating all commercial loan and deposit activity in accordance to WPCU policies and procedures, while adhering to state and federal regulations.

• Manage the day-to-day activities of the Member Business Support Coordinators, Small Business Analysts, Treasury Specialists and Credit Analysts. Ensure assigned business units are operating efficiently and reliably, are in compliance with applicable laws, regulations, and rules, have appropriate operating controls to mitigate risk, and are performing at a high level. (45%)
• Review and approve credit analyses and assign risk grades.
• Perform analyses on complex credit request.
• Provide training and guidance to all departments.
• Oversight and management related to Small Business loan applications.
• Oversight and management related to Treasury activities..
• Manage ACH exposure.
• Analyze and underwrite credits as needed. (10%)
• Assist Member Business Services VP in executing Business Tactics. (10%)
• Assist Relationship Managers as needed (10%)
• Facilitator between credit analysts and loan officers.
• Enforce credit policy.
• Discusses loan structure with loan officer to minimize risk.
• Prepare and develop various reports as required by management to assist in the overall management of MBS’s. (5%)
• Develop written policy documentation. (5%)
• Initiate process improvement and quality reviews to simplify and improve productivity. (5%)
• Assist Member Business Services VP in satisfying regulatory requirements as provided by state and federal authorities. (5%)
• Assist Member Business Services VP in ensuring that WPCU adheres to the policies and procedures approved by our board of directors. (5%)