Credit Department Manager

F&M Trust; Chambersburg (Franklin County); Hybrid; USD 80,000 - 120,000; Full time

Job summary

F&M Trust is looking for a Credit Department Manager to oversee the credit analysis and underwriting processes in their Commercial Loan Administration. This role involves managing a team, ensuring quality, and collaborating with lenders to enhance the bank's commercial operations. The position offers a hybrid working arrangement with a competitive salary and comprehensive benefits.

Benefits

Medical Insurance

Dental Insurance

Vision Insurance

Bonus Earning Potential

Company Stock Ownership

Generous Paid Time Off

401(k) with up to a 6% Match

Paid Life Insurance

Short-term and Long-term Disability

Qualifications

• Experience in commercial loan underwriting/analysis or credit officer experience.
• Management experience required.
• Ability to make tough decisions.

Responsibilities

• Manage the credit analysis and underwriting process.
• Lead and mentor a team of commercial credit analysts.
• Collaborate with Commercial Lenders on loan submissions.

Skills

Excellent communication skills

Interpersonal skills

Organizational skills

Analytical skills

Strategic thinking

Education

Bachelor's degree

Tools

Microsoft Word

Microsoft Excel

Job description

ABOUT THE ROLE

F&M Trust is seeking a Credit Department Manager to join the Commercial Loan Administration department of our growing bank, which has experienced record commercial loan growth while maintaining pristine credit quality. Reporting to the Commercial Loan Administration Manager, this individual will be primarily responsible for managing the credit analysis and underwriting process for commercial customers to ensure proper quality, responsiveness, and control procedures. This individual will lead and mentor a team of commercial credit analysts and a credit department support specialist. Additionally, the successful candidate will collaborate with Commercial Lenders in the processing of loan submission packages, monitor the process of requesting and receiving financial information and credit inquiries, prepare reports, attend committees, etc.

The home office location for this individual will be at the Bank's corporate headquarters located at 1500 Nitterhouse Drive, Chambersburg, PA, or the Bank's regional headquarters located at 4050 Crums Mill Road, Harrisburg, PA. Some travel to the opposite headquarters is necessary to ensure sufficient exposure to the full team on a regular basis. A hybrid working arrangement is available.

This role comes with a salary commensurate on experience and a comprehensive benefits package.

COMPREHENSIVE BENEFITS INCLUDE

• Medical, Dental, and Vision Insurance
• Pay-for-Performance (Bonus) Earning Potential
• Company Stock Ownership through Restricted Stock Units and Employee Stock Purchase Plan
• Generous Paid Time Off Schedule and 11 Paid Bank Holidays
• 401(k) with up to a 6% Match
• Paid Life Insurance, Short-term Disability, and Long-term Disability
• And much more!

MINIMUM QUALIFICATIONS

• Must have experience in one of the following: commercial loan underwriting/analysis, credit officer experience, commercial loan review, or auditing experience from an accounting (or related) firm.
• Bachelor's degree required, coursework in a relevant field of study desired.
• Management experience required.
• Excellent communication and interpersonal skills, with strong collaboration skills.
• Ability to think strategically.
• Above average organizational and analytical skills.
• Ability to make the right, and sometimes tough, decisions.
• Proficient with Microsoft Word and Excel, along with ability to learn and successfully utilize other technology.
• Valid driver's license.

If this position raises any interest, and you have the minimum experience and drive to lead a commercial credit underwriting team, we encourage you to complete an employment application. We'll be in contact with the most-qualified applicants who meet our hiring criteria in the upcoming weeks to begin interviews.

COMPARABLE JOB TITLES

To help our job title resonate with you, other financial institutions may title their positions such as the following: Commercial Credit Analyst Team Lead, Credit Administration Officer, Credit Officer, Credit Team Lead, Credit Underwriting Manager, or Senior Credit Analyst.

F&M Trust is an Equal Opportunity Employer - Disability/Vet