Mgr Risk Management Large Loan Relationships

Self-Help is seeking a Manager of Risk Management and Large Loan Relationships to join our Commercial Lending Asset Quality (CLAQ) team.. The Manager of Risk Management and Large Loan Relationships is a critical member of the Commercial Lending Asset Quality (CLAQ) team. The CLAQ team leads Risk Management and Large Loan relationship activities for the commercial loan portfolio of $500 million, including monitoring and assessing portfolio risk and identifying workout strategies for loans in excess of $1 million. The Manager, Risk Management and Large Loan Relationships must demonstrate a strong track record in building relationships, monitoring credit risk, making strategic decisions, and achieving strong results.

Essential Responsibilities:

• Develop, implement, and oversee ongoing risk-based loan review and monitoring programs for the commercial loan portfolio.
• Oversee workouts for loans in excess of $1M. Develop and implement solutions for troubled Large Loans alongside the relationship manager and other staff members. Underwrite, approve and coordinate these loan modifications.
• Coordinate risk ratings, financial statement analysis, annual reviews, site visits, and all other post-closing monitoring and Risk Management responsibilities with the support of the portfolio managers and analysts on the Risk Management team.
• Develop, implement, and oversee programs to analyze loan portfolios to identify existing and/or emerging issues relating to credit quality, risk, and forecasting losses.
• Recommend procedural changes to prevent and/or correct deficiencies identified during the loan review and monitoring process.
• Develop and implement programs for analyzing economic and industry data to measure potential impact on the loan portfolio. Develop deep knowledge in specific industry sectors to inform risk measurement and analysis.
• Lead relationship management and borrower outreach for all Large Loans. Oversee staff responsible for building and maintaining strong relationships with existing borrowers in their assigned loan portfolio. Ensure team leads the process through strong customer service, attention to detail, and accountability.
• Support and build tools for coordination with internal partners, including Commercial Lending, Servicing, Special Assets, Legal, and other staff members.
• Develop workflow for handoff of Large Loan Relationships from the Commercial Lending Team to Risk Management.
• Lead quarterly Asset Quality meetings.
• Report on credit risk and portfolio concentration to senior management and the Board of Directors quarterly.
• Supervise, direct, develop, and evaluate engaged Risk Management staff.
• Act as a change agent to drive Self-Help’s economic inclusion initiatives by integrating supplier diversity and the use of businesses owned by women and people of color in third-party contracting and vendor management for relevant products and services.
• Perform other duties as may be deemed needed.

Credentials, Experience, and Skills:

• Bachelor’s degree in a related field and 6 years of experience in commercial loan portfolio management or equivalent experience.
• Master’s degree in Business Administration or a related field is preferred.
• Prior supervisory or management experience.
• Strong commitment to our mission – creating economic opportunity for traditionally underserved communities.
• Preference for working in organizations that place priority on teamwork and collaboration.
• In-depth knowledge of functional areas of responsibility.
• High level of emotional intelligence, proven professional judgment, and maturity.
• Proven ability to establish credibility as a functional leader.
• Experience in development and implementation of strategic planning and in formulating and implementing policy.
• Strong skill in building partnerships and maintaining strategic relationships.
• Ability to develop high-quality short and long-term business strategies.
• Ability to hire, develop, retain, and engage staff effectively.
• Strong oral and written communication skills and the ability to develop and deliver effective presentations.
• Strong technical aptitude including familiarity with software related to area of responsibility.
• Ability and willingness to travel and work overtime as needed.
• Ability to demonstrate Self-Help's Core Values:
  • Mission Before Self
  • Service With Excellence
  • Embracing & Promoting Change
  • Results Not Credit
  • Diversity as a Strength
  • Financial Sustainability for Mission Impact

Compensation:

San Francisco Salary Range ( $96,500 - $120,600 - $143,808 )

Competitive nonprofit compensation, based on experience, plus a generous benefits package.

About Us:

Self-Help Credit Union was chartered in 1983 to build a network of branches that partner with working families and communities often underserved by the financial marketplace. With over $1.64 billion in assets and serving more than 91,000 members in 37 branches – eight in Florida, 22 in North Carolina, six in South Carolina, and one in Virginia - Self-Help Credit Union is one of the fastest-growing community development financial institutions in the country. It is part of the Self-Help family of non-profit organizations whose collective mission is to create and protect ownership and economic opportunity for all. For over 40 years, the National Center for Community Self-Help and its affiliates have provided more than $10.5 billion in financing to help more than 150,000 borrowers buy homes, start and grow businesses, and strengthen community resources. For more information, please visit www.self-help.org.

Self-Help is committed to providing equal employment opportunities to all persons, regardless of race, religion, religious creed, color, national origin, ancestry, physical disability, mental disability, medical condition, genetic information, marital status, sex, gender, gender identity, gender expression (including transgender status), age, sexual orientation, military and veteran status, class or family status.