Summary of Job Responsibilities:

The Credit Manager provides oversite of credit administration, which includes credit analysis, document processing, and lender support. The incumbent is accountable for complying with all Bank Secrecy Act and Anti-Money Laundering regulations, as well as all Bank policies and procedures.

Essential Job Duties:

1. Coaching / counseling / training / motivating / developing / supervising staff.
2. Management of banks' commercial lending operating system and banks' commercial loan document system.
3. Manage department workflow.
   1. Recommends changes for improving underwriting and credit turnaround time.
   2. Stays in regular communication with supervisor and commercial lenders regarding workflow prioritization.
4. Responsible for the quality / accuracy of financial spreading and analysis. Able to analyze the historical and projected income statement, cash flows and balance sheet of a business. Monitors the work product of other analysts.
5. Responsible for the file documentation and maintenance in the loan department.
6. Investigates customer inquiries pertaining to loan account problems.
7. Responsible for processing commercial lending credit denial letters.
8. Comfortable with adapting and multi-tasking.
9. Works with internal and external customers.
10. Financial tracking including contacting customers for financial data. Further, shall provide the Senior Commercial Lender with a report of financial statement exceptions / outstanding items no less than monthly. Report will show all required financial statement reporting on large loan relationships per policy and will indicate items outstanding.
11. Responsible for completion of annual reviews in a timely manner.
12. Document accurately the information needed by auditors to review loan requests and understand the Banks' processes and methodology for acceptable / improved audit ratings.
13. Prepares reports for supervisor as needed.

Skills and Abilities Required:

1. Must have effective interpersonal skills and be comfortable and professional in interactions with both external and internal Banking customers.
2. Excellent math skills.
3. Proficiency with computers in general and Microsoft operating systems, including Microsoft Excel and Microsoft Word.
4. Must have good oral and written communications skills.
5. Must have a good knowledge of consumer and commercial loans, principles, policies, and practices of lending, and the analytical ability to conduct an analysis of a financial statement.

Minimum Level of Performance and Training Normally Required:

1. Bachelor's degree in accounting, finance, or business is preferred.
2. A minimum of five years' experience working as a Credit Analyst is required.
3. Three to five years' direct management experience to include supervising, training, and developing staff.

Working Conditions:

1. Some pressure may be involved meeting deadlines, but no unusual physical factors or demands associated with the job.