Manager – Commercial Credit Risk

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.

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.