Credit Risk Manager

Credit Risk Manager

Job Description:

Responsible for providing an independent perspective in assessing and managing complex Wholesale Banking loan portfolios within the bank’s approved lending limits. Works closely with Relationship Managers, Credit Portfolio Managers, and the Credit Portfolio Management Team Leader to deliver credit solutions through underwriting, portfolio oversight, deal team coordination, and extensive client interaction. The role includes monitoring assigned portfolios, ensuring accuracy of risk ratings, maintaining covenant compliance, identifying potential issues, and overseeing timely corrective actions. Participation in strategic initiatives to enhance portfolio management processes is also required.

Responsibilities:

• Lead independent underwriting for new and renewed credit opportunities
• Analyze financial statements, cash flows, and industry-specific risk factors to support decision making
• Evaluate collateral strength, guarantor support, and credit structure
• Develop financial projections using Moody’s or Excel-based models
• Recommend appropriate credit structure, risk exposure limits, and policy compliance measures
• Monitor portfolio performance, risk ratings, and covenant compliance
• Proactively identify and resolve emerging credit risk issues
• Participate in client and relationship manager meetings, contributing to discussions and decision making
• Support initiatives aimed at improving portfolio management processes
• Ensure compliance with regulatory requirements and internal policies including BSA and AML standards
• Collaborate with Relationship Managers, Credit Risk, and Treasury teams
• Support mentoring and development of junior Credit Portfolio Managers

Education and Experience:

• Bachelor’s degree in accounting or finance required
• Minimum 7 years of experience in commercial and government contract lending required

Knowledge and Skills:

• Experience across C&I, CRE, government, retail, and service sectors
• Strong expertise in commercial credit and underwriting
• Advanced financial statement and cash flow analysis skills
• Understanding of construction lending (if applicable)
• Proficiency in Moody’s or similar financial systems
• Strong decision making and business judgment
• Excellent written and verbal communication skills
• Ability to structure and negotiate credit facilities
• Advanced Microsoft Excel and Word skills
• Strong organizational and time management abilities
• Ability to manage multiple priorities and deadlines
• Ability to work independently and collaboratively

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