Credit Analyst Supervisor

Profile

Description
Manages and directs the workflow of an assigned team of Credit Analysts. This position is considered direct backup for the Credit Department Manager. Manages the credit underwriting process within an assigned team and provides management of credit risk analysis in corporate banking loan relationships. This underwriting process is the initial step in the approval of Corporate Loan Relationships. Supervises, develops, and trains the Credit Analysts, Interns, and Corporate Banking Associates within assigned business line. Basic understanding of Dealer Floorplan Underwriting. Leads process improvement projects within the Credit Analysis Department. Acts as Committee Secretary for various loan committees, recording minutes from the meeting, interpreting approvals granted, verifying accuracy of final credit report and making decisions on behalf of Loan Services for the purpose of documenting loan agreement and closing the loan. Prepares reporting reflecting a summary of approval activity, policy and procedure exceptions and risk discussion memorandum for the Credit Committee of the Board. Exercises sound credit risk management responsibilities through loan policy and procedures, stays on top of current regulatory issues, produces and validates reporting to Senior Management and the Board of Directors. Approves treasury management exposure, risk ratings changes, and commercial loans requests and minor modifications of pass rated credits. Essential Job Responsibilities____________________________________ 1. Each Analyst will receive corporate, departmental, and individual goals that will be reviewed quarterly for progress and achievement. 2. Achieves assigned goals as part of the department's annual operating plan. Develops operating procedures to accomplish the department's goals and objectives. 3. Assists in the managing of the Credit Analysis Department's process of providing credit support services to a Commercial Business line and assisting in the ongoing management of credit risk for those loans as well as analyzing larger Corporate loans by performing the following tasks: a. Supervises assigned team of analysts by: * Assigns work * Assures timely completion of assignments to remain within service levels for the business line * Reviews work of analysts for quality of content and analysis * Reviews and approves all recommended Risk Ratings * Provides training on credit analysis and department procedures * Assists in selection of new personnel as appropriate * Reviews employee performance * Insures that all credit analysis activities are conducted in accordance with prescribed lending policy * Manages the quarterly credit triage process * Manages the annual review process, which includes a full underwriting on each Corporate Banking relationship over $1 million. b. Advises Credit Administration management on potential problem loans. c. Advises loan officers on appropriate loan structure to facilitate approval process. d. During the normal underwriting or line of credit review process, advises Credit Administration management on potential problem loans identified in the financial analysis process. e. Exercises individual loan authorities. 4. Acts as Committee Secretary for various loan committees, recording minutes from the meeting, interpreting approvals granted, verifying accuracy of final credit report and making decisions on behalf of Loan Services for the purpose of documenting loan agreement and closing the loan. 5. Prepares industry studies that include, but not limited to: a. Review the regional and national market of businesses that operate in this industry b. Calculate how many of the bank's customers operate in this industry c. The financial stability of the industry d. The overall outlook of the industry nationally and regionally 6. Prepares Portfolio Reviews that include, but not limited to: a. Review of the bank's portfolio by business line b. Type of commercial real estate project c. Type of industry for commercial and industrial loans d. Review of risk rating stratification over the business line e. Overall outlook for the industries within the portfolio and the risk associated in the business line 7. Prepares credit analysis and loan request submissions on significant or complex relationships as needed. 8. Credit Analyst Supervisors will be asked to lead or participate in process improvement projects. These projects may be within the department or they may cross departments. These projects will allow the analysts to forge teams and affect change within the organization. 9. Assists in preparation and validation of regulatory reporting including but not limited to the following: a. Agent Bank Report b. National Tenant Report c. Leverage Finance Transactions (LFT) d. Cash Flow Lending (CFL) e. High Volatility Commercial Real Estate (HVCRE) f. Regulation H g. Portfolio Segment Report h. Portfolio Trading 10. Provides leadership, on-the-job training, and technical guidance to Credit Analysts, Interns and Corporate Banking Associates. The Credit Supervisors are tasked with maintaining and updating the Credit Analyst On-Boarding training. 11. Maintains appropriate records and provides assigned reports. Bona Fide Occupational Qualifications_____________________________ 1. A Bachelor's degree in Accounting and/or Finance or a related field of study is required; MBA preferred. 2. A minimum of eight (8) years' related experience as a Credit Analyst / Senior Credit Analyst or five (5) years with MBA, or equivalent experience, required. Prior supervisory experience preferred. 3. Proficient verbal and written communication skills and potential to both motivate a team and interact with professionals, including Executives, both internally and externally. 4. Proficient analytical and mathematical skills, excellent verbal and written communication skills, proficient in Microsoft Office, including Word and Excel. Requires ability to build models with intermediate complexity. 5. A thorough knowledge of current lending and loan review regulations and banking regulations, procedures, and operations required. 6. Ability to analyze and interpret all types of financial statements in connection with various industries and loan requests required. 7. A valid driver's license and ability to travel are required.
Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor's legal duty to furnish information. 41 CFR 60-1.35(c)
Category
Credit Analysts
Education
Bachelor's Degree
Experience
8 years
Job type
Full time
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