Credit Manager

Jobtailor

Los Angeles (CA)

On-site

USD 120,000 - 180,000

Full time

5 days ago

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Job summary

Jobtailor in Los Angeles, CA, seeks a Senior Manager for Commercial Underwriting and Loan Portfolio Management. You will oversee a team of Credit Analysts, Underwriters, and Portfolio Managers, ensure adherence to bank guidelines, and coordinate with Credit Administration and Internal Audit.

The role emphasizes leadership, policy compliance, and timely, accurate credit decisions across the portfolio. You will mentor staff, drive performance reviews, and foster collaboration with Commercial

Qualifications

Bachelor's Degree in Business, Finance, Accounting, or related field (preferred)
4–7 years of Commercial Underwriting, Loan Portfolio Management, or other related experience (Required)
4–7 years of related supervisory/management experience (Required)
Proficient knowledge of underwriting, loan documentation, appraisal, and closing processes
Advanced knowledge and experience managing a commercial loan portfolio
Proficient knowledge of bank policies and documentation
Knowledge of SBA Credit and Environmental policies, SBA lending and eligibility standards, and SBA documentation, if applicable
Strong leadership, problem solving, analytical, mathematical, customer service, and interpersonal skills
Ability to interpret credit reports, financial tables and charts, financial ratios, tax returns, and financial statements
Excellent written and verbal communication skills
Ability to prepare written reports, correspondence, and financial and background information
Experience managing and developing others and building and maintaining relationships
Ability to attract, motivate, and retain top talent
Ability to work effectively across the company to manage customer relationships
Ability to partner effective with Commercial Relationship Managers, Underwriters, and Credit Administration
Proficient in word processing, spreadsheet, and industry-specific software
Occasional travel required
Ability to work fully onsite at the posted location

Responsibilities

Oversee workflow management for a Commercial credit underwriting and loan portfolio management team within an assigned market
Ensure comprehensive analysis of new credit requests and servicing actions
Ensure adherence to bank credit quality guidelines and applicable policies
Coordinate workflow with other work groups to support smooth credit department operations and timely service to sales staff and customers
Direct timely and accurate completion of Commercial credit authorizations, commitment letters, and other work products
Oversee initial reviews of credit requests and make recommendations to Credit Administrators
Oversee management of the Commercial loan portfolio for consistent, high-quality, timely work
Manage Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, training, performance reviews, and coaching/development
Manage and lead Credit Analyst internships for local university students as needed
Oversee written client communications, including commitment letters, declinations, and needs letters
Monitor underwriting and approval processes and serve as a point of contact
Coordinate with Credit Administration and Internal Asset Review to respond to audit exceptions
Make credit determinations for servicing requests and review deteriorating files
Perform annual credit quality reviews on assigned files
Train direct reports and internal partners on bank credit policies and systems
Administer assignments and follow up on complex credits
Participate in internal credit and pipeline calls as necessary
Maintain compliance with bank regulations, policies, procedures, and required training
Maintain knowledge of Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations
Coach, mentor, train others, and teach coursework as a subject matter expert
Foster Columbia's corporate culture and model positive leadership
Perform other duties as assigned

Skills

Commercial Underwriting

Loan Portfolio Management

Credit Quality Analysis

Leadership and Team Development

Banking Regulations Compliance

Education

Bachelor's Degree in Business, Finance, Accounting, or related field

Tools

Word Processing Software

Spreadsheet Software

Industry-Specific Software

Job description

Oversee workflow management for a Commercial credit underwriting and loan portfolio management team within an assigned market
Ensure comprehensive analysis of new credit requests and servicing actions
Ensure adherence to bank credit quality guidelines and applicable policies
Coordinate workflow with other work groups to support smooth credit department operations and timely service to sales staff and customers
Direct timely and accurate completion of Commercial credit authorizations, commitment letters, and other work products
Oversee initial reviews of credit requests and make recommendations to Credit Administrators
Oversee management of the Commercial loan portfolio for consistent, high-quality, timely work
Manage Credit Analysts, Commercial Underwriters, and Loan Portfolio Managers, including hiring, training, performance reviews, and coaching/development
Manage and lead Credit Analyst internships for local university students as needed
Oversee written client communications, including commitment letters, declinations, and needs letters
Monitor underwriting and approval processes and serve as a point of contact
Coordinate with Credit Administration and Internal Asset Review to respond to audit exceptions
Make credit determinations for servicing requests and review deteriorating files
Perform annual credit quality reviews on assigned files
Train direct reports and internal partners on bank credit policies and systems
Administer assignments and follow up on complex credits
Participate in internal credit and pipeline calls as necessary
Maintain compliance with bank regulations, policies, procedures, and required training
Maintain knowledge of Bank Secrecy Act, Regulation CC, Regulation E, Bank Security, and other applicable regulations
Coach, mentor, train others, and teach coursework as a subject matter expert
Foster Columbia's corporate culture and model positive leadership
Perform other duties as assigned

Requirements

Bachelor's Degree in Business, Finance, Accounting, or related field (preferred)
4–7 years of Commercial Underwriting, Loan Portfolio Management, or other related experience (Required)
4–7 years of related supervisory/management experience (Required)
Proficient knowledge of underwriting, loan documentation, appraisal, and closing processes
Advanced knowledge and experience managing a commercial loan portfolio
Proficient knowledge of bank policies and documentation
Knowledge of SBA Credit and Environmental policies, SBA lending and eligibility standards, and SBA documentation, if applicable
Strong leadership, problem solving, analytical, mathematical, customer service, and interpersonal skills
Ability to interpret credit reports, financial tables and charts, financial ratios, tax returns, and financial statements
Excellent written and verbal communication skills
Ability to prepare written reports, correspondence, and financial and background information
Experience managing and developing others and building and maintaining relationships
Ability to attract, motivate, and retain top talent
Ability to work effectively across the company to manage customer relationships
Ability to partner effective with Commercial Relationship Managers, Underwriters, and Credit Administration
Proficient in word processing, spreadsheet, and industry-specific software
Occasional travel required
Ability to work fully onsite at the posted location

Core Competencies

Demonstrates expertise in Commercial Underwriting and Loan Portfolio Management, with a strong focus on credit quality, compliance with banking regulations, and effective team leadership. Proficient in analyzing credit requests, managing relationships, and developing talent within the credit department.

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