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Manager – Commercial Credit Risk

Manager – Commercial Credit Risk

CompanyToyota
LocationPlano, TX, USA, Henderson, NV, USA
Salary$Not Provided – $Not Provided
TypeFull-Time
DegreesBachelor’s
Experience LevelSenior

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.