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Job Title: VP/Credit Services Manager

Department: Administration

Reports to: SVP/Credit Administrator Manager

FLSA Status: Exempt

Summary

This position supports the Chief Credit Officer in executing credit policies and procedures, directs and coordinates activities of the Credit Services staff and ensures performance of departmental duties personally or through subordinates.

Primary Responsibilities

• Supervise and assist in the spreading of financial statements, tax returns and other financial data in a consistent and meaningful manner

• Analyze financial statements, including trends, ratios, cash flows, projections and proformas

• Provide expert level interpretation of financial condition of applicants, borrowers, and guarantors

• Analyze loan risk appropriately

• Supervise and assist in the preparation of partial or complete Loan Credit Reports for loan officers, including narrative discussion of strengths, weaknesses and financial analysis

• Ensure the tracking of Covenant Compliance and, upon request from loan officers, contact borrowers or their agents to obtain financial information required by the loan covenants and to ask questions regarding such information

• Monitor and review specialized financial information, such as borrowing bases, agricultural budgets and real estate inspections

• Provide consistent and knowledgeable expertise in all lending areas, including commercial real estate, commercial and industrial, agricultural and small business lending

• Contact borrowers or their agents with regards to loan applications or financial information

• Research and verify financial information provided by borrowers or their agents

• Monitor compliance with all lending regulations as established by Federal and State authorities

• Support the Bank’s consistent and efficient usage of its loan origination system (LOS) software within the department and with the lending teams

• Comply with all applicable Banking compliance rules and regulations established by both internal departments and external agencies Secondary Responsibilities

• Assist Chief Credit Officer with projects and other tasks as assigned

• Assist Chief Credit Officer in the preparation and implementation of training programs for lending staff

• Assist in developing policies and procedures

• Assist in establishing loan underwriting criteria

• Provide input on credits to Management Loan Committee, upon request

• Prescreen potential loans and recommend changes to loan structure and collateral, when applicable.

• Approve loans within assigned lending authority; recommend denial when appropriate

• Provide second review of transaction declines

Supervisory Responsibilities

• Manage all aspects of Credit Services staff to ensure service quality

• Responsible for the overall direction, coordination, and evaluation of the department, including: o Interviewing, hiring, and training employees o Planning, assigning, and directing work o Appraising performance o Rewarding and disciplining employees o Addressing complaints and resolving problems

• Monitor department transaction volumes of the various workflows and allocate resources accordingly

• Carry out supervisory responsibilities in accordance with the organization’s policies and applicable laws

• Conduct post-approval review of transactions approved within the department, on a sampling basis

• Report on covenant violations, loan budgets, borrowing bases and other specialized monitoring logs

• Maintain and update departmental procedures to support business continuity

• Prepare annual budget for department Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or Experience:

• Bachelor’s or Master’s degree in Business or equivalent preferred; and

• Ten years’ related experience and/or training; or equivalent combination of education and experience

• Experience in commercial, real estate and consumer loans; additional experience in loan workouts

• Knowledge of credit policy and procedures and loan compliance

• Experience and understanding of the differences between cash, accrual, and tax accounting

• Demonstrated ability to provide excellent service

Competencies:

• Analytical Skills – synthesize complex or diverse information; collect and research data; use intuition and experience to complement data; design workflows and procedures

• Problem-solving Skills – identify and resolve problems in a timely manner; gather and analyze information skillfully and develop alternative solutions; work well in group problem-solving situations

• Interpersonal Skills – focus on solving conflict, not blaming; listen to others without interrupting and remain open to their ideas; keep emotions under control and use reason even when dealing with emotional topics

• Oral Communication – speak clearly and persuasively in all situations; respond well to questions; demonstrate group presentation skills and participate in meetings

• Written Communication – write clearly and informatively; able to change writing style to meet needs; present numerical data effectively

• Teamwork – balance team and individual responsibilities; give and welcome feedback; contribute to building a positive team spirit; put success of team above own interests; able to build morale and group commitment to goals and objectives.

• Change Management – develop workable implementation plans; communicate changes effectively and overcome resistance; prepare and support those affected by change; monitor transition and evaluate results

• Leadership – exhibit confidence in self and others; inspire and motivate others to perform well; maintain confidentiality; take responsibility for subordinates’ activities; work to improve supervisory skills; include staff in planning, decision-making, facilitating and process improvement

• Coaching – provide regular performance feedback and make yourself available to staff; effectively influence actions and opinions of others; support everyone’s efforts to succeed

• Ethics – treat people with respect, keep commitments and inspire the trust of others; work ethically and with integrity; uphold Bank’s values

• Organizational Support – adhere to policies and procedures; complete administrative tasks correctly and on time; support Bank’s goals and values; benefit organization through outside activities; support Affirmative Action and respect diversity

• Technical Skills – skilled in using moderate to complex software such as spreading software, integrated loan origination systems, bank core systems, and reporting software

• Compliance – consistently adhere to Bank policies and regulations, reinforce training to ensure that Bank employees are aware of UDAAP and do not harm consumers with any act that could be misleading, unfair, deceptive, or abusive in act or practice

Physical Demands

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The employee is frequently required to sit and talk or hear

• The employee is occasionally required to stand and walk

• The employee must frequently lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• The noise level in the work environment is usually quiet