Commercial Underwriting/Credit Team Leader

Description The Commercial Underwriting Manager is responsible for supervising the commercial credit department. Participates in the loan management process by providing credit and loan underwriting expertise to the Bank’s Commercial Lending team. Analyzes prospective loan transactions and credit worthiness of borrowers. Validates the credit analysis prepared by the Commercial Credit Analysts and provides opinions and recommendations regarding proposed credits and potential risks. Duties and Responsibilities: Manage personnel activities of direct report staff; including employee reviews and development plans. Tasked with mentoring/enhancing staff development, setting team goals, and monitoring performance. Responsible for managing and directing workflow of direct reports to ensure quality and timeliness of credit product delivery. Analyze financial statements in conjunction with underwriting commercial loan requests. Prepare and review in-depth written analysis for relationships. Prepare credit presentations that incorporate and analyze all relevant borrower and related financial information. Loan requests include CRE and C&I. Ensure sound practices in the commercial credit underwriting process. Manage the Commercial Loan Review function. Oversee the review of existing commercial loans and risk rating analysis on the portfolio; prepare and review in-depth written analyses for relationships of all sizes and all levels of complexity; ensure compliance testing of loan requirements. Work with Loan Officers / Business Bankers to assemble financial information to develop an initial assessment by identifying strengths and weaknesses as pertaining to a borrower’s historical and current operating performance. Review loan structure of new loan requests, identifying any risks or policy exceptions. Make recommendations on loan structure and reporting requirements where appropriate. Research industry-specific information from outside sources, including conversations with borrowers, industry publications, libraries, references from other banks, credit agencies, and online resources. Attend and contribute to various Bank committee meetings, such as Credit Risk, SAC, and Loan Review. Prepare and maintain Commercial Loan Committee minutes. Oversee the SBA commercial credit underwriting and approval process: Express, 7A, 504. Oversee and prepare monthly/quarterly reporting related to commercial credit and the loan portfolio. Manage service providers and vendors; structure relationships strategically; set expectations; develop performance metrics; measure vendor performance; provide feedback; and hold accountable. Ensure compliance with all bank policies/procedures and applicable banking laws and regulations, including the Bank Secrecy Act, USA Patriot Act, anti-money laundering statutes, and federal consumer protection laws. Perform other duties as assigned. The duties outlined above are a summary and may not be exhaustive. All job descriptions may be amended at any time at the sole discretion of FMHC. Requirements Qualifications and Skills: 10-15 years of experience in commercial credit or financial services. Prior leadership experience. Proficiency in underwriting and structuring complex commercial loans (CRE and C&I). Experience with commercial loan review functions and management. Proficiency in MS Office and relevant software such as Cleartouch, OnBase, and CreditQuest. Bachelor’s degree or equivalent experience. Necessary competencies: Accountability Business Acumen Resilience Collaboration Leads for High Performance Communication Quality Focused Process Oriented Physical Environment: Regularly required to lift, walk, stand, sit, bend, reach, climb, push/pull, use hands, and see, hear, and speak. Occasionally lift and/or move up to 25 pounds. Work environment is usually quiet to moderate noise level. Must have a valid driver’s license. This position is performed in an office setting, five days a week, with typical hours from 8:30 am to 5:15 pm.

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