Credit Risk Manager

Overview

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Responsibilities Include But Are Not Limited To

• Prepares a full credit package for complex loan requests generally involving loan exposure in excess of $10 million, including an in-depth high-quality credit analysis covering financial analysis, cash flow analysis, collateral assessment, evaluation of repayment sources, assessment of the loan structure and assignment of a risk rating.
• Performs global analysis of large exposure customers within the commercial loan portfolio, including:
• Gathering data via collaborative efforts with loan officers and/or customers for large exposure global reviews, including global cash flows, financial statements, tax returns and K-1 schedules, as well as credit files, officer s memos and appraisal reports.
• Analysis of data gathered to identify and assess trends, issues and concentrations within the customer relationship.
• Preparation of high-quality, well-written reports assessing risk exposure, credit quality and risk outlook within each large exposure relationship.
• Assists the Team Leader in supervising junior team members by providing training and guidance to staff.
• Ensures loan structure is consistent with Loan Policy.
• Identifies credit policy exceptions and incorporates suitable mitigants into the credit package.
• Proactively communicates with Loan Officers during the underwriting process.
• Conducts and participates in customer meetings/conference calls.
• Participates in department projects as requested.

• Strong knowledge of financial accounting.
• Thorough understanding of commercial credit and strong credit quality skills including accounting, financial statement analysis and cash flow analysis experience.
• Strong analytical and problem solving skills.
• Strong organizational skills with attention to detail.
• Excellent communication skills: express ideas and convey technical information in writing and verbally.
• Proficient in Microsoft Word and Excel and performing internet searches.
• Ability to work in a fast-paced environment and move quickly through assignments to ensure deadlines are met.
• Ability to work effectively with individuals and groups to manage internal and external customer relationships.
• Thorough understanding of risk and consequences of errors in formulating decisions and providing direction to others.

• High School Diploma or GED and a minimum of three (3) years of experience in underwriting commercial loan and/or commercial real estate deals or three (3) years of VNB credit underwriting experience combined with the completion of formal training.
• Bachelors Degree preferred.

• Entry level

• Full-time

• Finance and Sales

• Banking

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