Credit Risk Manager - Coral Gables, FL

The Credit Risk Manager is responsible for all underwriting activities related to new and existing credit transactions with moderate to higher complexity including client diligence, structuring, and the required analysis and preparation of the underwriting package.

The day to day role would include analyzing business and personal financial statements and tax returns, analyzing various types of commercial real estate projects, preparing credit memos for approvals of loan requests, preparing annual reviews of existing loans, completing renewals and modifications of existing loans, monitoring covenant compliance, assisting in projects as required by management. Deal size could range from $5,000,000 to $50,000,000 (smaller less complicated loans to start).

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• Underwrites and structures new prospective transactions as well as renewals, extensions, increases, and material modifications and amendments for existing clients.
• Participates in external client meetings as well as internal deal team discussions and approval discussions with senior management. Identifies, outlines, and mitigates risks associated with potential lending opportunities, advises on all matters related to the Bank's Credit Policy and related procedures, and provides guidance on loan structures and risk appetite.
• Performs the required due diligence and analysis, produces the credit presentation in accordance with guidelines and policy while ensuring timely completion of the underwriting, presents credit requests to the required level of credit authority.
• Maintains oversight via internal reporting and dashboards of all ongoing portfolio monitoring requirements and client deliverables as well as compliance with all terms of the loan agreement including (i) financial reporting, (ii) covenant compliance, (iii) collateral monitoring, (iv) required third party reports, (v) annual reviews, and (vi) maturing loans and lines of credit. In coordination with the business team, maintains direct contact with clients as needed for account monitoring and administration and site visits.
• Validates and analyzes reports such as financial statements, borrowing base certificates, collateral field examinations, appraisals, engineering reports, etc. to verify compliance. Escalates issues to appropriate levels and develops action plans as necessary.
• Ensures credits are accurately risk rated and are properly monitored and reported.
• Prepares all required quarterly reports and analysis including Criticized Loan Monitoring Reports as well as other portfolio management reports as required.
• Participates in special projects and requests related to the management of the portfolio.

• Demonstrates a strong understanding of policies and procedures, underwriting guidelines and RACs.
• Strong knowledge of credit underwriting, financial accounting and loan documentation.
• Strong knowledge of how a deal should be structured and comfortability with conversing this structure to lenders.
• Strong computer skills using Microsoft Word, Excel and Outlook.
• Strong level of interpersonal and social skills needed to interact with loan officers, administrative staff and customers.
• Ability to manage time efficiently.
• Strong mathematical skills.
• Strong credit skills.
• Ability to write reports and business correspondence.
• Ability to effectively present information and respond to questions.

• High School diploma or GED.
• Minimum of 5 years of experience in a commercial lending environment in a credit-oriented and underwriting position.

• Bachelor's degree and completion of a formal credit training program.

Full-time

Exempt

Location(s).

We provide a comprehensive and competitive total rewards package including base salary determined by factors such as the role, relevant experience, skill set, and geographical location. Eligible positions may also be eligible to receive commission-based compensation and/or discretionary incentive compensation, which may be awarded as cash or forfeitable equity, recognizing individual performance and contributions.

In addition to financial compensation, we offer a robust suite of benefits tailored to meet diverse employee needs based on eligibility criteria. These include comprehensive health care and insurance plans, retirement savings options, tuition and adoption reimbursement programs, paid time off, mental health support, and other valuable benefits programs. Further details regarding total compensation and benefits will be shared during the hiring process.

Pay Range Pay Range The estimated pay range for this job. Disclosing pay information promotes competitive and equitable pay.
The actual pay rate will depend on the person's qualifications and experience. $83,100.00 - $ / year

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