CRE Credit Risk Manager

vnbcareers; Tampa (FL); On-site; USD 70,000 - 110,000; Full time

Job summary

vnbcareers in Tampa, FL seeks an experienced loan underwriter to structure new transactions and renewals, manage risk, and ensure compliance with the bank's credit policy.

You will prepare credit presentations, monitor portfolios, and interact with clients and senior management, delivering timely reports and ensuring accurate documentation.

Qualifications

• Minimum 5 years of experience in a commercial lending environment.
• Strong understanding of underwriting guidelines and RACs.
• Ability to structure deals and communicate structures to lenders.
• Proficiency with Microsoft Word, Excel, and Outlook.
• Excellent interpersonal and time-management skills.
• Strong mathematical and credit analysis abilities.
• Ability to write reports and business correspondence.

Responsibilities

• Underwrites and structures new prospective transactions and renewals.
• Participates in client meetings and deal discussions; assesses risk.
• Prepares credit presentations and secures required credit approvals.
• Monitors portfolio compliance, reporting, and covenant adherence.
• Reviews financial statements and collateral reports for accuracy.
• Ensures credits are properly risk rated and monitored.
• Assists with quarterly reports and special portfolio projects.
• Maintains direct contact with clients for monitoring and site visits.

Skills

Underwriting guidelines

Credit underwriting

Deal structuring

MS Word

MS Excel

Outlook

Interpersonal skills

Time management

Mathematical skills

Credit analysis

Report writing

Administrative skills

Education

High School diploma or GED

Bachelor's degree

Formal credit training program

Tools

MS Word

MS Excel

Outlook

Job description

Responsibilities include but are not limited to:

• Underwrites and structures new prospective transactions as well as renewals, extensions, increases, and material modifications and amendments for existing clients.


• Participates in external client meetings as well as internal deal team discussions and approval discussions with senior management. Identifies, outlines, and mitigates risks associated with potential lending opportunities, advises on all matters related to the Bank's Credit Policy and related procedures, and provides guidance on loan structures and risk appetite.


• Performs the required due diligence and analysis, produces the credit presentation in accordance with guidelines and policy while ensuring timely completion of the underwriting, presents credit requests to the required level of credit authority.


• Maintains oversight via internal reporting and dashboards of all ongoing portfolio monitoring requirements and client deliverables as well as compliance with all terms of the loan agreement including (i) financial reporting, (ii) covenant compliance, (iii) collateral monitoring, (iv) required third party reports, (v) annual reviews, and (vi) maturing loans and lines of credit. In coordination with the business team, maintains direct contact with clients as needed for account monitoring and administration and site visits.


• Validates and analyzes reports such as financial statements, borrowing base certificates, collateral field examinations, appraisals, engineering reports, etc. to verify compliance. Escalates issues to appropriate levels and develops action plans as necessary.


• Ensures credits are accurately risk rated and are properly monitored and reported.


• Prepares all required quarterly reports and analysis including Criticized Loan Monitoring Reports as well as other portfolio management reports as required.


• Participates in special projects and requests related to the management of the portfolio.

Required Skills:

• Demonstrates a strong understanding of policies and procedures, underwriting guidelines and RACs.


• Strong knowledge of credit underwriting, financial accounting and loan documentation.


• Strong knowledge of how a deal should be structured and comfortability with conversing this structure to lenders.


• Strong computer skills using Microsoft Word, Excel and Outlook.


• Strong level of interpersonal and social skills needed to interact with loan officers, administrative staff and customers.


• Ability to manage time efficiently.


• Strong mathematical skills.


• Strong credit skills.


• Strong administrative skills.


• Ability to write reports and business correspondence.


• Ability to effectively present information and respond to questions.

Required Experience:

• High School diploma or GED.


• Minimum of 5 years of experience in a commercial lending environment in a credit-oriented and underwriting position.

Preferred Experience:

• Bachelor's degree and completion of a formal credit training program.