Commercial Credit Assistant Manager
Posted Updated
Essential/Primary Job Duties:
* Review all non-committee underwriting requests to ensure consistency with the Bank's credit philosophy, underwriting standards, risk appetite, and applicable policies
* Evaluate financial statements, cash flow performance, repayment capacity, collateral support, guarantor strength, borrowing purpose, and material credit risks for assigned credit requests
* Provide timely feedback to the appropriate staff and departments
* Identify and escalate significant credit concerns, underwriting deficiencies, policy exceptions, and regulatory issues as appropriate
* Review and approve 1-4 Family Construction Status forms and ADC Loan Reclassification forms as assigned
* Review Annual Credit Exposure Reviews for accuracy, completeness, risk assessment quality, and timely completion
* Support the timely preparation of complete and accurate credit packages for approving authorities
* Directly supervise Credit Analysts and maintain day-to-day responsibility for performance, workflow, development, and accountability
* Provide ongoing training, coaching, mentorship, and technical guidance to credit staff
* Coordinate workload needs between analysts and underwriters as necessary to support departmental priorities and maintain effective service delivery
* Support and reinforce consistent application of credit policy, underwriting expectations, financial analysis standards, and documentation requirements across staff work product
* Regular and predictable attendance and punctuality
* Other duties as assigned
* Review all non-committee underwriting requests to ensure consistency with the Bank's credit philosophy, underwriting standards, risk appetite, and applicable policies
* Evaluate financial statements, cash flow performance, repayment capacity, collateral support, guarantor strength, borrowing purpose, and material credit risks for assigned credit requests
* Provide timely feedback to the appropriate staff and departments
* Identify and escalate significant credit concerns, underwriting deficiencies, policy exceptions, and regulatory issues as appropriate
* Review and approve 1-4 Family Construction Status forms and ADC Loan Reclassification forms as assigned
* Review Annual Credit Exposure Reviews for accuracy, completeness, risk assessment quality, and timely completion
* Support the timely preparation of complete and accurate credit packages for approving authorities
* Directly supervise Credit Analysts and maintain day-to-day responsibility for performance, workflow, development, and accountability
* Provide ongoing training, coaching, mentorship, and technical guidance to credit staff
* Coordinate workload needs between analysts and underwriters as necessary to support departmental priorities and maintain effective service delivery
* Support and reinforce consistent application of credit policy, underwriting expectations, financial analysis standards, and documentation requirements across staff work product
* Regular and predictable attendance and punctuality
* Other duties as assigned
Physical Requirements:
* Must be able to remain in a sitting position for extended periods of time
* Operate a computer and other office machinery for extended periods of time
* Ability to lift up to 25 pounds
* Must be able to remain in a sitting position for extended periods of time
* Operate a computer and other office machinery for extended periods of time
* Ability to lift up to 25 pounds
FNBT is an Equal Opportunity Employer