Manager – Commercial Credit Risk
Company | Toyota |
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Location | Plano, TX, USA, Henderson, NV, USA |
Salary | $Not Provided – $Not Provided |
Type | Full-Time |
Degrees | Bachelor’s |
Experience Level | Senior |
Requirements
- Bachelor’s degree required
- 5+ years of relevant work experience (in a similar field and/or industry)
- 3+ years leading commercial lending process redesign initiatives
- Demonstrated ability to identify broader business risks to influence change and encourage continuous improvement
- People leadership experience with proven ability to grow, develop, and inspire a team
- Microsoft Products – Word, Excel, PowerPoint, etc.
Responsibilities
- Authority for Commercial Loans up to $35MM.
- Evaluation of the Credit Criteria, Loan Structure, Documentation, Loan Agreements, Covenants and Collateral necessary to decision credit requests.
- Review and approval of Real Estate Appraisals and interaction with internal and external attorneys and/or appraisers to determine the adequacy and acceptability of appraisals.
- Review and approval of Environmental Site Assessments and interaction with internal and external attorneys and/or environmental service providers to determine the adequacy and acceptability of appraisals.
- Write, maintain, update, implement and enforce the Bank’s Commercial Credit Policies, Guidelines, Procedures and Limits.
- Manage the coordination of Sales, Underwriting, Operations, Legal, Compliance and Risk facilitating credit needs of customers.
- Ensure adherence to Bank policy standards for structure, collateral, financial condition, risk rating and covenants during origination, underwriting, approval and documentation.
- Establish monitoring standards and requirements of data for new and existing loan originations and renewals.
- Responsible for the day-to-day monitoring activities to include the accuracy of risk ratings, the quality and efficiency of the credit monitoring activities.
- Preparation, Presentation and Resolution for Board of Directors, Board Risk Committee and TFSB Credit Committee.
Preferred Qualifications
- Advanced degree preferred (MBA or CPA)
- Experience in a Federally regulated banking environment.
- Experience in Captive Automotive lending – specifically Commercial lending.