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Essential Duties and Responsibilities

+ Oversees preparation and approval of Loan Reviews for certain Corporate Loans

+ Recommends risk rating upgrades and downgrades of Corporate Loans

+ Manages the Loan Review tracking process, exceptions, etc. including overseeing set-up on loan system.

+ Oversees the Annual Financial Review process including suggestions to enhance process.

+ Manages process of documentation follow-up, financial statement receipt, including set-up on loan system

+ Assists in gathering data/preparing for Loan Loss Reserve Committee meetings and Board meetings

+ Works on enhancements to Corporate Loan Grade model.

+ Gathers data/analyze components for loan loss reserve levels.

+ Oversees transition to electronic imaging of credit/collateral files.

+ Works closely with Credit Risk Executive and Corporate Banking Executive to administer all aspects of existing credit portfolio.

+ Interacts with Senior Management, Audit, Loan Review, other internal departments and bank regulators as needed.

+ May have management/supervisory responsibilities for incoming credit analysts and/or portfolio managers.

+ Performs other duties and responsibilities as assigned.

Knowledge, Skills, and Abilities

Knowledge of

+ Advanced concepts, practices and procedures of credit analysis.

+ Advanced concepts in corporate and commercial real estate.

+ Residential and retail lending underwriting.

+ Principles of banking and finance.

+ Processing operations and network architecture.

+ Underwriting guidelines.

+ Federal and State lending laws.

Skill in

+ Analytical problem solving sufficient to guide associates in major analysis function and structuring credits.

+ Direction and enforcement including credit quality and underwriting.

+ Preparing management reports.

+ Interpreting and applying policies and procedures.

+ Identifying trends and implementing appropriate corrective action.

+ Reading, interpreting, analyzing and applying information from credit reports.

+ Researching, interpreting and analyzing complex financial statements.

+ Preparing complex financial position and credit worthiness reports.

+ Structuring, negotiating and closing loan transactions.

+ Maintaining and monitoring loan documentation to ensure compliance with loan terms.

+ Ensuring compliance with organizational policies and applicable State, Federal, agency and investor guidelines.

+ Preparing and delivering oral and written presentations.

+ Performing due diligence.

+ Operating standard office equipment and using required software applications to produce correspondence, reports, electronic communication, spreadsheets, and databases.

Ability to

+ Plan strategically sufficient to administer the department, oversee the budgeting process and provide guidance and oversight to credit policy issues.

+ Exercise sound decision-making, good judgment and communicate effectively, both orally and in writing, with all organizational levels, including senior management.

+ Partner with other functional areas to accomplish objectives.

+ Lead meetings and contribute to team efforts by ensuring all relevant information is included in the outcomes.

+ Establish and maintain effective working relationships at all levels of the organization, including negotiation resources.

+ Perform human resource management activities.

+ Plan, assign, monitor, review, evaluate and lead the work of others.

+ Manage relationships with clients.

+ Provide coaching, mentoring and technical training to others.

+ Incite enthusiasm and influence, motivate and persuade others to achieve desired outcomes.

+ Identify training needs and develop subordinates.

+ Work independently, make non-routine decisions and resolve complex problems.

+ Organize, manage and track multiple detailed tasks and assignments with frequently changing priorities and deadlines in a fast-paced work environment with frequent interruptions.