Credit Manager

Position Overview

The Credit Manager plays a central role in maintaining the safety and soundness of the bank’s credit portfolio. This position leads credit underwriting, approval, and portfolio oversight across commercial, commercial real estate, and private banking relationships.

The role blends strong technical expertise with decisive, results-oriented leadership—ensuring credit decisions align with the bank’s appetite, regulatory expectations, and growth objectives, while fostering accountability, collaboration, and disciplined execution across lending and risk functions. At times, there could be periods of work induced stress and extended hours.

Key Responsibilities

Credit Risk Management & Underwriting

• Oversee credit underwriting and approval processes across all assigned portfolios.
• Approve loans within delegated authority; escalate as appropriate to Senior Management or Loan Committees, including the Board of Directors.
• Ensure high-quality credit analysis, including financial, cash flow, collateral, and guarantor evaluation.
• Apply credit policy and regulatory guidance consistently across all decisions.

Portfolio Oversight & Risk Monitoring

• Monitor and assess overall portfolio performance, including covenant compliance, policy exceptions, and emerging risk trends
• Lead periodic and annual credit reviews to validate risk ratings, loan structure, guarantor support, and overall credit quality
• Oversee the real estate appraisal and appraisal review process to ensure compliance and sound collateral valuation
• Identify, analyze, and escalate emerging credit risks, supporting timely and well-informed risk mitigation strategies
• Serve as a trusted advisor to the Chief Credit Officer by providing proactive insight into developing risks, complex credits, and trends that may adversely impact portfolio performance
• Support the development and execution of portfolio strategies to maintain credit quality and align with the bank’s risk appetite

Problem Loan & Risk Mitigation

• Partner with Special Assets and lending teams on problem loan identification and resolution strategies
• Support credit actions including modifications, downgrades, and exit strategies
• Drive timely resolution of credit issues through disciplined follow-through and accountability

Leadership & Collaboration

• Partner closely with relationship managers, loan operations, compliance, and finance to support prudent growth
• Coach and develop credit analysts, ensuring strong analytical standards, sound judgment, and consistent execution
• Provide clear direction on complex transactions and structuring considerations
• Foster an environment of constructive dialogue by respectfully challenging assumptions and encouraging balanced, well-supported credit decisions

Reporting & Governance

• Oversee the preparation of reports on portfolio trends, risk metrics, and exception reporting to senior management and committees
• Support internal audits, loan review, and regulatory examinations with timely and accurate information
• Recommend enhancements to credit policy, processes, and underwriting standards