Credit Risk Team Lead
Phoenix, Arizona, United States of America
Full Time
2 days ago
Key skills
RTime Management
About this role
Responsibilities include, but are not limited to:
- Proactively communicates with Loan Officers and assigned Credit Portfolio Managers during the underwriting, approval and portfolio management processes.
- Review and circulate credit packages and modifications for approval. Ensure packages are updated as required by approvers.
- Underwrite complex new loan requests and modifications.
- Coordinate with the assigned Commercial Loan Officers, Loan Officer Assistants and Direct Reports all activities required to complete a credit package.
- Completes performance evaluations, reviews and approves timecards and all other manager related activities for his/her direct reports.
- Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
- Obtain, and monitor various loan portfolio reports such as Maturing Loans, Past-Due Loans, Annual Reviews and proactively assist lenders with requisite action plans.
- Assure that credits are accurately risk rated and credits are properly monitored and reported.
- Adhere and comply with all requirements of Regulation B Adverse Action Procedures -- Florida Division.
- Create and maintain current BSA Information.
- Adhere and comply with all requirements of watch list and EDD procedures.
- Manage and track covenants, borrowing bases, A-R Ageing, etc. for their accounts.
- Assist in preparation of quarterly CLMR reports.
- Advise Lenders on all matters related to the Bank's Credit Policy and related Procedures/Forms.
- As time allows conduct annual site visits, attend loan closings and other tasks required to support assigned lenders.
Required Skills:
- Knowledge of credit underwriting, accounting and loan documentation with the ability to.
- Ability to effectively communicate credit concerns and formulate alternate loan structures to customers, business unit team leaders, department heads and senior management.
- Proficient 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.
- Strong personal time management skills.
- Strong mathematical skills.
- Strong credit skills.
- Strong administrative skills.
- Ability to write reports and business correspondence.
- Ability to effectively present information and respond to questions.
Required Experience:
- High School Diploma or GED and a minimum of seven years of experience in a commercial lending environment in a credit-oriented and underwriting position.
- Bachelor's degree, completion of a formal credit training program, and prior supervisory experience is preferred.