Job Description:
Shift: First Shift
Under the direction of the Chief Credit Officer the Credit Review Manager will be responsible for overseeing portfolio level credit risk assessments. They will ensure loan portfolios comply with regulatory standards and will evaluate the creditworthiness of borrowers. Additionally, they will provide supervision to credit review personnel and oversee and review their work.
Essential Duties and Responsibilities:
- Perform a full range of duties related to the Credit Review process and adhere to all policies and practices of the Bank and its applicable regulatory and governmental agencies
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Review financial documents such as tax returns and credit reports as well as conducting interviews with loan applicants to gather information about financial history and current financial situation
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Examine files systematically for adequacy of credit and collateral documentation, regulatory compliance, and loan policy conformance; reviews technical exceptions and deficiencies; reports continued outstanding exceptions to Bank Leadership
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Prepare written analyses on all large loans, large aggregate lending to one borrower, complex loans, and weak loans
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Identifies problem loans, makes recommendation for assignment of loans to the "watch loan list" that is reviewed quarterly with the Bank Leadership; discusses the status of problem loans with Supervisor and senior lending officers and may make recommendations regarding the future credit information needs; identifies loans meeting non-accrual or charge-off criteria
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Prepares periodic studies of various portions of the loan portfolio including past due reports, concentrations of credit, etc. for the benefit of supervisory and executive officers
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Based on compliance or loan reviews and the dissemination of other pertinent materials, evaluate and recommend policy or procedure changes
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Maintain educational and professional expertise through attendance at job related seminars, conferences and workshops and involvement in professional, civic, and community groups in leadership positions
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Oversees the recruitment, hiring, supervision, and training of staff. Assist with the oversight of all other human resource functions with supervised staff. Submit periodic written staff personnel reviews. Assures effective utilization of supervised staff
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Perform daily administrative tasks to ensure the functionality and coordination of the department's activities and the Bank's loan files
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Develop and maintain effective working relationships at all levels
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Maintain familiarity with bank products and services
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Maintain familiarity with all regulatory standards
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Maintain familiarity with and uphold all Bank policies and procedures
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Complete all training requirements as assigned
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Other related duties as assigned
Experience and Skills:
Qualifications:
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. Requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Computer Requirements:
- Proficiency in Microsoft Office (Word, Excel, Access, and Power Point)
Education/Experience Requirements:
- Bachelor's Degree in Finance, accounting, business or related field or equivalent experience is preferred
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Training in bank lending practices as well as lending compliance preferred
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10 years of bank credit analysis, lending, loan review and/or compliance experience preferred
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Credit review examiner in charge experience preferred
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2 years of prior management experience preferred
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Experience with Farm/Ag lending, C&I lending and CRE lending preferred
Additional Requirements:
- Previous customer service skills preferred
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Strong attention to detail and accuracy
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Strong time management and organizational skills
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Ability to practice discretion and handle confidential information in a professional manner
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Ability to handle sensitive and confidential situations and comprehend the level of confidentiality that comes along with the position and protecting employee's, customer's and bank information
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Problem Solving/Analysis skills
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Ability to communicate effectively and professionally with customers and coworkers
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Ability to read, write and comprehend simple instructions, short correspondence and memos
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Ability to perform basic mathematical calculations and to work with mathematical concepts and apply them to work situations
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Ability to manage and execute more than one task at a time
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Ability to define problems, collect data, establish facts, and draw valid conclusions
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Ability to independently perform duties, establish priorities and meet deadlines with limited supervision
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Ability to adhere to safety and compliance regulations and procedures
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Ability to explain the benefits of bank products and services and answer customer questions regarding these products and services
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Knowledge of financial institution regulations
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Ability to exercise sound judgement that is consistent with established policies, procedures and business practices
Attendance Requirements:
Employees are expected to report to work as scheduled, on time and prepared to start work. Employees are expected to remain at work for their entire work schedule. Late arrival, early departure or other absences from scheduled hours should be avoided.
Certificates, licenses, or registrations:
Working Conditions:
This job operates in a clerical setting. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines.
Physical requirements:
- Requires bending, stooping or standing as necessary
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Requires sitting for extened peiods of time
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Requires the ability to hear, speak and/or signal people
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Effectively communicate verbally, in writing, and in English
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Requires manual dexterity, typing, and the ability to key in transactions
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The employee may occasionally lift and/or move up to 25 pounds
Job Benefits:
The following benefit programs are available to all employees:
- 401(k) retirement plan (requires 30 days of employment, age 20)
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Paid Leave Time
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Free checking account including identity theft and cellphone protection, Roadside Assistance and more
- Free savings account & Safety Deposit Box
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Cashier's checks
In addition, the following benefits are available to all full-time employees after meeting eligibility requirements:
- Vacation time (requires 30 days of employment)
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Sick/Personal Time (requires 90 days of employment)
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Holidays
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Jury Duty leave
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Health Insurance (requires 30 days of employment)
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Dental Insurance (requires 30 days of employment)
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Vision Insurance (requires 30 days of employment)
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Life Insurance (requires 30 days of employment)
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Short-Term Disability Insurance (requires 30 days of employment)
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Long-Term Disability Insurance (requires 30 days of employment)
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Section 125 Cafeteria Plan including Flexible Spending Accounts (requires 30 days of employment)
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Tuition Reimbursement
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Military Leave
Some benefit programs require contributions from the employee, and all begin on the first of the month after eligibility is met. Certain benefits provided by United Community Bank are governed by plan documents.
Please visit https://ucbbanks.com/careers for more information on UCB's complete benefit package.
From: United Community Bank
