Credit Risk Team Leader

Valley National Bank•Tampa, FL

About The Position

The Credit Risk Team Leader supports commercial lending through underwriting, credit package preparation and circulation, portfolio monitoring, and guidance to lenders on credit policy and procedures. The role underwrites complex new loan requests and modifications, coordinates credit-package activities with loan officers, assistants, and direct reports, and ensures packages are updated as required by approvers and presented to the appropriate credit authority. The position also manages direct reports, including performance evaluations and timecard review and approval. It monitors assigned portfolio risks and reporting, supports lenders with action plans, and ensures adherence to applicable regulatory, watch-list, and enhanced due diligence procedures. As time allows, the role may conduct annual site visits, attend loan closings, and perform other tasks supporting assigned lenders.

Requirements

High school diploma or GED.
A minimum of seven years of experience in a commercial lending environment in a credit-oriented and underwriting position.
Knowledge of credit underwriting, accounting, and loan documentation.
Ability to communicate credit concerns effectively and formulate alternate loan structures for customers, business unit team leaders, department heads, and senior management.
Proficiency with Microsoft Word, Excel, and Outlook.
Strong interpersonal and social skills for interacting with loan officers, administrative staff, and customers.
Strong personal time-management skills.
Strong mathematical skills.
Strong credit skills.
Strong administrative skills.
Ability to write reports and business correspondence.
Ability to present information effectively and respond to questions.

Nice To Haves

Bachelor's degree.
Completion of a formal credit training program.
Prior supervisory experience.

Responsibilities

Proactively communicate with Loan Officers and assigned Credit Portfolio Managers during underwriting, approval, and portfolio management.
Review and circulate credit packages and modifications for approval, and ensure packages are updated as required by approvers.
Underwrite complex new loan requests and modifications.
Coordinate with assigned Commercial Loan Officers, Loan Officer Assistants, and direct reports on activities needed to complete credit packages.
Complete performance evaluations, review and approve timecards, and perform other manager-related activities for direct reports.
Prepare effective packages for credit approval circulation and present packages to the required level of credit authority.
Obtain and monitor loan portfolio reports, including Maturing Loans, Past-Due Loans, and Annual Reviews, and proactively assist lenders with action plans.
Ensure credits are accurately risk rated and properly monitored and reported.
Comply with Regulation B Adverse Action Procedures for the Florida Division.
Create and maintain current BSA Information.
Comply with watch-list and EDD procedures.
Manage and track covenants, borrowing bases, A-R Ageing, and related items for assigned accounts.
Assist in preparing quarterly CLMR reports.
Advise lenders on matters related to the Bank's Credit Policy and related procedures and forms.
As time allows, conduct annual site visits, attend loan closings, and perform other tasks required to support assigned lenders.