Commercial Credit Manager

POSITION SUMMARY

Responsible for reviewing and analyzing business loans for the credit union. Identify, analyze, and evaluate loan risks and other compensating factors. Ensure the safety and soundness of credit union member business loan assets. Recommend business loan requests for approval, denial, or conditional. Ensure existing business portfolio loans are reviewed and analyzed on an annual basis. Provide support for loan structure, packages, and performance issues to business development officers.

Responsible for reviewing, analyzing, and servicing the Everence Church Loan portfolio. Responsible for the satisfactory loan sale and/or loan participation projects as requested. Responsible for the leadership and supervision of the business and church lending team.

RESPONSIBILITIES AND DUTIES

1. Coordination of business and church lending functions:
   1. Sound analysis of lending procedures and processes followed in compliance with Everence Credit Union’s lending policies.
   2. Preparation and credit analysis of business and church loan requests along with a loan decision recommendation for loan committee/loan officer action.
   3. Coordinate Business Loan Officer Committee meetings including preparation of the agenda and taking and communication of meeting minutes.
   4. Coordinate the regulatory site visits for our existing business loans for the business development officers; participate in site visits when requested.
   5. Coordinate the gathering of the required financial information for annual loan reviews for the portfolio.
   6. Assure the required annual reviews are completed in a timely manner.
   7. Assist with the preparation of monthly and quarterly reports for the management team and board of directors.
   8. Keep business and church lending written policies and procedures current.
   9. Ensure the timely variable rate loan changes and proper communication of these changes in a timely manner.
   10. Ensure the safety and soundness of the church portfolio by tracking the tax and insurance coverages on the existing portfolio.
   11. Ensure the proper and accurate new loan booking on the system.
   12. Provide weekly, monthly, and quarterly reports based on the church loan portfolio.
2. Coordination of portfolio review of business and church loans:
   1. Perform a risk analysis for each business and church loan which also classifies loans for credit quality.
   2. Prepare exception reports and analyses for business and church loans.
   3. Ensure all lending conditions have been satisfactorily met.
   4. Ensure the marketability and salability of loans for participation or loan sales.
3. Assume responsibility for establishing and maintaining effective communication with Everence Credit Union administrative personnel and management:
   1. Assist and support all department personnel as needed, including cross-training in the department.
   2. Keep management informed of area activities and of any significant problems or issues.
4. nCino Commercial Loan Origination System Administrator
   1. Administration and oversight of day-to-day configuration, support, maintenance, reporting, and overall improvement of the nCino Bank Operating System.
   2. Identify and resolve end-user problems in an effective and timely manner.
   3. Assist in the creation and implementation of nCino processes that will streamline the loan approval process, automate loan data capture, enhance credit decision workflow, and support loan growth initiatives.
   4. Determine all potential effects of new features and releases and communicate them to the business line leadership to determine the best strategy for implementation.
   5. Determine the focus and workflow of the nCino team as a whole and coordinate with the VP of Lending.
   6. Determine necessary configurations and procedures required to remain in compliance with loan policy and regulatory controls.
   7. Production of management reports derived from automated databases to assist in the collection of historical data collection and forecasting of credit trends.
   8. Conduct and/or coordinate enterprise-wide training on the nCino platform.
   9. Manage key vendor relationships along with vendor oversight requirements and corporate risk tolerance.
   10. Define and manage the configuration and implementation of new nCino feature releases and other system updates.

QUALIFICATIONS

Education and Experience:

1. Bachelor’s degree in finance, accounting, or related field desired
2. Prior banking or Credit Union experience preferred
3. Knowledge of credit union and regulatory policies, processes, procedures, and standards preferred
4. 3-5 years of credit analyst experience preferred

Skills and Abilities:

1. Solid analytical and organizational abilities
2. Strong written and verbal communication skills
3. Sound credit judgment
4. Good attention to detail
5. Strong computer and technical skills, including working knowledge of Microsoft Office (intermediate or advanced Excel skills a plus)
6. Problem-solving and troubleshooting skills
7. Leadership skills

SUPERVISORY RESPONSIBILITIES: Business Loan Specialist

SCHEDULE: Full time