credit Manager

Job Summary

This role is responsible for managing the credit underwriting and approval process, supervising a team of credit analysts and underwriters, ensuring timely completion of annual reviews, and maintaining portfolio quality across a commercial lending portfolio.

The ideal candidate will possess strong commercial credit expertise, particularly within C&I lending, along with proven leadership experience managing analysts and underwriters. This individual will serve as the primary liaison between lending and credit teams while ensuring sound credit decisions, regulatory compliance, and operational efficiency.

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Essential Duties & Responsibilities:

Oversee the underwriting, credit analysis, and approval process for commercial loan relationships
Exercise lending authority for credit requests within approved authority limits
Review and approve credit packages, financial analyses, underwriting presentations, and credit memorandums prepared by analysts and lending staff
Ensure accurate and timely completion of annual reviews across the commercial loan portfolio
Oversee borrower-level credit assessments, including debt consolidation analysis and portfolio reviews
Review financial statements, tax returns, cash flow analyses, and supporting credit documentation
Monitor portfolio quality and ensure adherence to internal credit policies and procedures
Manage financial ticklers, covenant tracking, and portfolio monitoring activities
Coordinate workflow across lending and credit teams to ensure timely underwriting and approval decisions
Oversee the preparation and quality control of call memos, credit presentations, and loan approval packages
Supervise, mentor, and develop credit analysts and underwriters
Establish performance expectations and ensure consistency in underwriting and credit analysis practices
Partner with commercial lenders and executive leadership to support portfolio growth while maintaining sound credit quality
Assist with policy enhancements, credit process improvements, and risk management initiatives
Ensure all credit administration activities comply with internal policies, regulatory expectations, and lending authority requirements

Minimum Requirements:

Bachelor's Degree in Finance, Accounting, Business Administration, or related field preferred
Prior experience as a Credit Manager, Senior Credit Officer, Credit Administration Manager, or similar leadership role required
Strong commercial banking background with significant C&I lending experience required
Experience managing commercial credit approvals, underwriting, and portfolio oversight
Proven experience supervising and developing credit analysts and underwriters
Strong knowledge of financial statement analysis, cash flow analysis, credit structuring, and commercial underwriting
Experience managing annual reviews, covenant monitoring, and portfolio risk management
Strong understanding of commercial lending policies, procedures, and regulatory expectations
Excellent leadership, communication, and organizational skills
Ability to manage a high-volume commercial loan portfolio and competing priorities
Strong relationship management skills with the ability to partner effectively with lending teams and executive leadership

credit Manager

Job Summary

Essential Duties & Responsibilities:

Minimum Requirements:

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