Partner Credit Manager II

Coastal Community Bank•Madison, MS

10d•$98,408 - $123,010

About The Position

The primary responsibility of this position is to assistance and support to the Chief Credit Officer and Credit Administration within CCBX Baas (Banking as a Service) division to manage banking partners credit risks and credit policies. The role will be responsible in assisting to develop lending partner programs and relationships. This position will be the main liaison between the lending partner and CCBX Credit. The manager will maintain and monitor the BaaS partner’s lending portfolio credit KPI’s and work with the partner to reduce the risks to the bank. The role will work with cross departments to assist in developing, approving, reviewing, auditing the policies, process, and procedures regarding the partner’s lending program. This position will provide expertise and oversight in credit administration such as policies, procedures, underwriting, loan reviews, and overall loan risk as related to minimize credit risks in the portfolio and working with the partners.

Requirements

Proven effective verbal and written communication skills
Excellent analytical skills and understanding of credit
Required to handle multiple tasks at the same time
Must have excellent attention to detail to ensure timely and effective communication
Advance skills/experience/education in report writing, Excel, Word, PowerPoint, and databases
Cooperative, professional attitude with strategic partners, legal counsel, and co-workers
Bachelor's degree or equivalent in banking credit underwriting, finance, accounting, or economics
7+ years' experience in Credit Administration and underwriting experience for consumer and commercial loans
Consumer loans include credit cards, charge cards, small dollar, unsecured, auto, HELOC’s.

Nice To Haves

Master’s degree or equivalent in experience/education preferred
Managing Credit Card portfolios is preferred

Responsibilities

Provide support as needed to CCBX CCO and Credit Administration and other executives as needed
Coordinates, manages, and maintains efficiencies and consistencies in credit approving, policies, reviewing, auditing, and analyzing of the credit products offered through the banks Strategic Lending Partners
Assures documentation is complying within bank and CCBX policy as well as State and Federal Regulations
Provide guidance to Strategic Lending Partners on credit structure, underwriting and specific request conditions
Provide timely decisions on credit requests within delegated loan authority while maintaining proper due diligence
Assist in preparing Board, management, and regulatory credit reports and analysis of the CCBX portfolio
Coordinates, manages, and maintains consistencies in day-to-day Credit Risk Management and Credit Administration responsibilities
Assures accuracy of credit analysis data through and internal control processes over credit data and queries of that data to ensure the correctness key performance indicators for loan metrics being reported.
Review partner credit risks through all sources of data to ensure accuracy of analysis and make recommendations for any changes
Coordinate and execute workload priorities and delegate tasks within deadlines
Ability to use personal judgment and initiative to develop effective and constructive solutions to challenges and obstacles
Manages and assists with special projects
other duties as assigned

Benefits

Medical Coverage: Choose from three competitive medical plans to find the coverage that best fits your needs and lifestyle.
Health Savings Account (HSA): Available with eligible medical plans, offering tax advantages and employer contributions.
Flexible Spending Accounts (FSA): Options for healthcare and dependent care expenses to help you save on out-of-pocket costs.
Dental and Vision Insurance: Plans to keep you and your family smiling and seeing clearly.
Life Insurance: Company-paid basic life insurance with options to purchase additional coverage for yourself and your dependents.
Long-Term /Short-Term Disability (LTD): Income protection in the event of a long-term illness or injury.
Supplemental Benefits: Including Hospital Indemnity, Accident Insurance, and Critical Illness coverage to provide extra financial support when you need it most.
401(k) Retirement Plan: A competitive retirement savings plan with company matching to help you plan for the future.
Paid Time Off: Generous vacation and sick leave policies to support your time away from work.
Holidays: Enjoy 11 paid holidays throughout the year.