Credit Department Manager

Texas First Bank•Pasadena, TX

1d•Onsite

About The Position

The Credit Department Manager will lead and manage the credit analyst team, including administering the assignment of work, review of credit underwriting packages, mentoring, and recruitment. This role is crucial for supporting the bank's credit risk quality and financial health. The manager will collaborate with sales, finance, and operational teams in regard to credit underwriting questions, regulatory compliance, managing loan and credit policies, and the preparation of regular reports on credit activities. Strong leadership, analytical skills, and a solid understanding of financial statements and credit assessment tools are essential for this position.

Requirements

Bachelor's Degree in Business Administration, Accounting or Finance.
10 years of credit risk experience.
Ability to multi task and work in an ever changing and demanding environment.
Strong analytical skills with an ability to interpret complex financial information and identify relevant risks.
Strong verbal and written communication and presentation skills.
Strong understanding of credit analysis, risk management, banking regulations, and credit processes and procedures.
Proficiency in Microsoft Office (Word, Excel, and Outlook).
Ability to lift and/or move up to 25 lbs.
Sit at a desk and computer terminal for extended time periods.

Responsibilities

Responsible for the day-to-day supervision of credit analysts, including but not limited to interviewing, hiring, training, assigning and directing work, coaching and mentoring, and performance reviews.
Assists CCO and CFO with requests for analysis and monthly reports.
Review credit analyst loan packages and appraisal reviews for adherence to quality standards.
Responsible for the completion of the CECL worksheets, quarterly.
Responsible for Portfolio Stress Annually.
Responsible for monthly and quarterly departmental reports.
Member of CECL committee.
Administer OnBoard system with regard to credit underwriting packages and approvals.
Develop and maintain loan and credit policies and procedures under the supervision of the Chief Credit Officer.
Assist with the continued development of the Ncino Loan Origination System with respect to the Credit Underwriting function.
Spreading and analysis of commercial financial statements for prospective and existing loan customers.
Ensures standard operating procedures are met when preparing analysis, reports, and presentations for management review.
Thoroughly documents the credit request in the appropriate format.
Conducts research to determine the quality, character, and the soundness to include but is not limited to: the analysis of basic statistical data and financial statements, sensitivity analysis, industry analysis, management assessment, guarantor analysis, etc.
Attend and participate in loan committee meetings.
Assist Chief Credit Officer with other administrative duties as needed.