CRE Credit Risk Team Lead

vnbcareers; Tampa (FL); On-site; USD 85,000 - 110,000; Full time

Job summary

vnbcareers in Tampa is seeking an experienced Underwriter/Portfolio Manager to lead underwriting activities for commercial loans. You will actively communicate with loan officers and portfolio managers, review packages, and underwrite complex requests while coordinating across teams.

The role requires seven years in a credit underwriting environment, a bachelor’s degree preferred, and strong Excel/Word/Outlook skills.

Qualifications

• Seven years minimum in a commercial lending underwriting environment.
• Bachelor's degree and formal credit training preferred.
• Ability to write reports and business correspondence.

Responsibilities

• Communicate with Loan Officers and Credit Portfolio Managers during underwriting, approval and portfolio management.
• Review and circulate credit packages for approval; ensure packages are updated as required by approvers.
• Underwrite complex new loan requests and modifications.
• Coordinate with Commercial Loan Officers, Loan Officer Assistants and Direct Reports to complete credit packages.
• Complete performance evaluations, reviews and approve timecards for direct reports.
• Prepare and present credit packages for approval circulation to the required credit authority levels.
• Obtain and monitor loan portfolio reports (Maturing Loans, Past-Due Loans, Annual Reviews) and assist lenders with action plans.
• Ensure credits are properly risk-rated, monitored and reported.
• Adhere to Regulation B Adverse Action Procedures — Florida Division.
• Create and maintain current BSA information.
• Adhere to watch list and EDD procedures.
• Manage covenants, borrowing bases, aging for accounts.
• Assist in quarterly CLMR reports.
• Advise lenders on Bank credit policy and procedures.
• Occasionally conduct annual site visits and support loan closings.

Skills

Credit underwriting

Communication skills

Microsoft Word

Microsoft Excel

Interpersonal skills

Time management

Mathematical skills

Credit policy knowledge

Report writing

Presentation skills

Education

High School Diploma or GED

Bachelor's degree preferred

Tools

Outlook

Word

Excel

Job description

Responsibilities include, but are not limited to:

• Proactively communicates with Loan Officers and assigned Credit Portfolio Managers during the underwriting, approval and portfolio management processes.
• Review and circulate credit packages and modifications for approval. Ensure packages are updated as required by approvers.
• Underwrite complex new loan requests and modifications.
• Coordinate with the assigned Commercial Loan Officers, Loan Officer Assistants and Direct Reports all activities required to complete a credit package.
• Completes performance evaluations, reviews and approves timecards and all other manager related activities for his/her direct reports.
• Prepare effective packages for credit approval circulation and to present packages to the required level of credit authority.
• Obtain, and monitor various loan portfolio reports such as Maturing Loans, Past-Due Loans, Annual Reviews and proactively assist lenders with requisite action plans.
• Assure that credits are accurately risk rated and credits are properly monitored and reported.
• Adhere and comply with all requirements of Regulation B Adverse Action Procedures -- Florida Division.
• Create and maintain current BSA Information.
• Adhere and comply with all requirements of watch list and EDD procedures.
• Manage and track covenants, borrowing bases, A-R Ageing, etc. for their accounts.
• Assist in preparation of quarterly CLMR reports.
• Advise Lenders on all matters related to the Bank's Credit Policy and related Procedures/Forms.
• As time allows conduct annual site visits, attend loan closings and other tasks required to support assigned lenders.

Required Skills:

• Knowledge of credit underwriting, accounting and loan documentation with the ability to.
• Ability to effectively communicate credit concerns and formulate alternate loan structures to customers, business unit team leaders, department heads and senior management.
• Proficient 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.
• Strong personal time management skills.
• 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 and a minimum of seven years of experience in a commercial lending environment in a credit-oriented and underwriting position.
• Bachelor's degree, completion of a formal credit training program, and prior supervisory experience is preferred.