Credit Risk Team Leader

Valley Bank•Tampa, FL

About The Position

The Credit Risk Team Leader underwrites complex commercial loan requests and modifications and coordinates credit-package activities with Commercial Loan Officers, Loan Officer Assistants, direct reports, and other stakeholders. The role reviews, circulates, and updates credit packages for approval and presents them to the appropriate credit authority. It also supports portfolio management by monitoring loan reports, risk ratings, covenants, borrowing bases, and other credit information, while advising lenders on credit policy and procedures. The position includes supervisory responsibilities, including performance evaluations, timecard reviews and approvals, and other management activities for direct reports.

Requirements

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.
High school diploma or GED.
At least seven years of experience in a commercial lending environment in a credit-oriented and underwriting position.

Nice To Haves

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

Responsibilities

Communicate proactively with Loan Officers and assigned Credit Portfolio Managers during underwriting, approval, and portfolio management.
Review and circulate credit packages and modifications for approval, ensuring packages are updated as required by approvers.
Underwrite complex new loan requests and modifications.
Coordinate with Commercial Loan Officers, Loan Officer Assistants, and direct reports 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 portfolio reports, including Maturing Loans, Past-Due Loans, and Annual Reviews, and 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 account items.
Assist in preparing quarterly CLMR reports.
Advise lenders on 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.