Sr Credit Officer
Valley Bank, Convent Station, NJ, United States
Job Responsibilities
Responsibilities include but are not limited to: Carries a substantial amount of approval authority for commercial credit requests where total exposure exceeds $1,500,000 in all portfolios (retail, commercial - industrial, real estate and leasing) Review (and sponsor as needed) credits submitted for committee approval and serve as a voting member of the Senior Credit Committee. Manage a team of CPM Team Leaders, Credit Officers, and Credit Portfolio Managers for a wide geography or LOB with direct and indirect reports to ensure operational efficiency, collaboration across teams and quality work product. Provide guidance to lenders and team of CPM Team Leaders, Credit Officers and Credit Portfolio Managers concerning the underwriting and structuring of commercial loans, commercial mortgages and ACH transactions. Monitor credit policy/procedure compliance, past due loan status and other portfolio management responsibilities are proactively addressed with the assigned lending and credit teams. Positively lead any changes within the corporate environment. Provide consistent and constructive feedback on direct report's performance and ensure the same is completed for indirect reports. Participate in establishing and maintaining credit policy and related procedures and guidelines. Conduct credit-related projects at the direction of the Chief Credit Officer. Provide input for disaster recovery and business continuity including backup to the Chief Credit Officer.
Responsibilities include but are not limited to: Carries a substantial amount of approval authority for commercial credit requests where total exposure exceeds $1,500,000 in all portfolios (retail, commercial - industrial, real estate and leasing) Review (and sponsor as needed) credits submitted for committee approval and serve as a voting member of the Senior Credit Committee. Manage a team of CPM Team Leaders, Credit Officers, and Credit Portfolio Managers for a wide geography or LOB with direct and indirect reports to ensure operational efficiency, collaboration across teams and quality work product. Provide guidance to lenders and team of CPM Team Leaders, Credit Officers and Credit Portfolio Managers concerning the underwriting and structuring of commercial loans, commercial mortgages and ACH transactions. Monitor credit policy/procedure compliance, past due loan status and other portfolio management responsibilities are proactively addressed with the assigned lending and credit teams. Positively lead any changes within the corporate environment. Provide consistent and constructive feedback on direct report's performance and ensure the same is completed for indirect reports. Participate in establishing and maintaining credit policy and related procedures and guidelines. Conduct credit-related projects at the direction of the Chief Credit Officer. Provide input for disaster recovery and business continuity including backup to the Chief Credit Officer.