CREDIT MONITORING MANAGER

Hawthorn Bank•Kansas City, MO

30d

About The Position

This position is responsible for supervising and analyzing the financial data of new and existing commercial loans, monitoring current loan risk, collateral, and preparing credit reviews. Work is performed within the framework of standard operating policies and procedures; however, independent judgment and discretion is required in performing assigned tasks. Deviations from normal procedures and/or questions are referred to the designated supervisor

Requirements

Possess a four-year college degree from an accredited university or institution with a major area of study in accounting, finance, business administration or other closely related discipline. Work experience and/or college coursework can be substituted for a four-year college degree. Plus additional education and/or training.
Possess a minimum of six years of professional work experience as a credit analyst or other closely related job in commercial lending.
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
Ability to write routine reports and correspondence.
Ability to speak effectively before groups of customers or employees of the organization. Strong oral and written communication skills.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals.
Ability to compute rate, ratio, and percent and to draw and interpret bar graphs. Excellent financial and accounting analytic skills.
Ability to apply common sense understanding to carry out detailed but uninvolved written or oral instructions.
Ability to deal with problems involving a few concrete variables in standardized situations.
Must have the ability to operate the following equipment: telephone, 10-key calculator, typewriter, personal computer and printer, copy machine, fax machine.
Must be proficient in Word, Excel, and Outlook. Experience with financial modeling. Advanced PC knowledge.
Valid driver’s license.

Responsibilities

Analyze new and existing commercial credit files (e.g., enter data into database and/or spreadsheet computer applications; generate reports; collate data from reports; review balance sheet, income statement, etc. and calculate ratios in preparing credit review; submit review for commercial banker’s review and modification; prepare final comments and make decisions regarding assignment of loan rating; sign and archive credit review with loan file).
Maintain credit files consistent with credit policy and integrity of the bank’s data systems; perform documentation reviews.
Monitor, review, and analyze commercial financial reports for compliance with loan covenants; monitor credit risk for new and existing loans through inspection and observation.
Monitor and facilitate warehouse loan draws, floor plan draws and inspections; monitor borrowing base certificates and system tracking; monitor covenant testing and system tracking.
Oversee floor plan draws, curtailments, releases, and inspections; oversee construction inspections, budgets, and draws.
Monitor collateral inspections.
Manage loan lifecycle; manage workflow/underwriting program.
Magane invites, packets, and minutes for various loan committee meetings.
Oversee annual credit review process and templates.
Review commercial appraisal and evaluations in accordance with credit policy.
Prepare commercial real estate evaluations according to the bank’s methodologies and best practices.
Create and run queries; conduct industry research and analysis.
Prepare forms, reports, correspondence, memoranda, etc.; answer calls and provide assistance to customers. Perform project work, as assigned.
Comply with all banking regulations, policies, and procedures.