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    Director of Commercial Credit - Austin, United States - Shelby American Inc

    Shelby American Inc
    Shelby American Inc Austin, United States

    3 weeks ago

    Default job background
    Description

    Come join the American Bank of Commerce team to find out why our employees love community banking and the ability to serve our customers in our local communities.

    We are currently seeking a dynamic leader to lead our Commercial Credit Department.

    The Director of Commercial Credit is a key member of the Bank's management team and will be located at our Austin Banking Center.

    The Director of Commercial Credit oversees the entire lending process, including the initial application and review, underwriting and approval or denial of the request.

    The Director of Commercial Credit will analyze current credit data and financial statements of new and existing customers to determine the degree of risk involved in extending credit or lending money and prepares reports with this credit information for use in decision-making.

    This position is responsible for monitoring repayment progress, collections for delinquent accounts, and manages the Credit Department. Coordinate and administer the training and development activities for the credit department bank wide. Oversee all aspects of personnel-related duties for the credit analyst team (assessments, new hires, disciplinary actions etc). This position reports directly to the Chief Credit Officer (CCO).

    Essential Job Functions:

    Ensure that all required loan request information is in hand to assign work to analysts and begin the underwriting process; Address any loan package informational deficiencies and/or loan request structural issues; Assess the ongoing status of active and inactive credit requests, schedule completion dates for active credits and prioritize individual analyst workloads to meet lender/customer requirements

    Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to pertinent policies, procedures, and internal controls, and meet all job-specific training requirements in a timely fashion.

    Plan, develop, and provide training and credit analyst development programs, using knowledge and the effectiveness of methods such as classroom training, demonstrations, on-the-job training, meetings, conferences, and workshops.

    Develop testing and evaluation procedures.
    Analyze credit data and financial statements to determine the degree of risk involved in extending credit or lending money.
    Complete loan memorandums, including credit analyses and summaries of loan requests, and submit to loan committees for approval.
    Analyze financial data such as income growth and quality of management to determine expected profitability of loans.
    Prepare reports that include the degree of risk involved in extending credit or lending money.

    Compare liquidity, profitability, and credit histories of establishments being evaluated with those of similar establishments in the same industries and geographic locations.

    Evaluate customer records and recommend payment plans based on earnings, savings data, payment history, and purchase activity.
    Review credit underwriting memorandums for completeness, accuracy and appropriateness of loan structure, lending conditions, assigned risk rating, etc. Discuss and resolve underwriting deficiencies or issues with Commercial Lender prior to submission of credit underwriting memorandum to appropriate lender or Loan Committee for approval;
    Complete and distribute Loan Committee Minutes and oversee the recording of loan approvals.

    Manages and coordinates the workflow and administrative functions of the Credit Department by working in concert with the Credit Administration Department Supervisor.

    Oversee all aspects of personnel-related duties and assignments by:

    Reviewing resumes, selecting qualified candidates, conducting initial interviews, selecting candidates for second interviews and recommending candidates for hire; Preparing annual performance assessments; Evaluating the ongoing performance of each analyst and offering recommendations for salary progressions and promotions; Initiating and following through on disciplinary actions as prescribed by HR policy
    Perform other duties as assigned by supervisor / management.
    Comply with federal, state, and company policies, procedures, laws and regulations.
    Adhere to all relevant security responsibilities as outlined in the Bank's Information Security Program and Written Security Program.

    Source and distribute relevant market analysis tools and data to appropriate bank personnel to assist in the underwriting and ongoing monitoring of the bank's loan portfolio.

    Manage contracts with service providers whose products are utilized in the credit underwriting and monitoring process.

    Benefits:

    We offer a competitive salary and excellent benefit packages.

    Benefits vary based on employment status and position but can include:


    • Medical, Dental, Vision, Telemedicine
    • Paid Time off, Paid Volunteer Time, and Paid Holidays
    • Flexible Spending Account, Dependent Care FSA
    • Basic Life and AD&D Insurance, Voluntary Life and AD&D
    • Long-Term Disability
    • 401k Retirement Plan
    • Recruiting Referral Bonus
    • Employee Stock Ownership Plan
    • Gym Membership Reimbursement Program
    Think this is something you are interested in? We invite you to apply and learn more about our great company


    OUR MISSION:

    Financial Professionals | Finding Solutions | Making a Difference


    OUR VISION:

    The ABC Family of Companies vows to be partners in helping our customers make the most of their finances.

    Our shared vision is to provide the highest quality products and services designed to fit the unique needs of each customer.


    OUR GOAL:


    To place customer satisfaction and loyalty as our number one priority, to maximize returns to stakeholders, and to create a nurturing environment where employees can maximize their potential.

    Must be committed to the Company's Mission, Vision, Values, and Goals.
    Requirements

    Required Skills:


    • Active Learning
    :

    Understanding the implications of new information for both current and future problem-solving and decision-making.

    • Active Listening
    :

    Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate time.


    • Critical Thinking
    :

    Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.

    • Learning Strategies
    :

    Selecting and using training/instructional methods and procedures appropriate for the situation when learning and teaching new things.

    • Business Math Skills
    • Reading Comprehension
    :

    Understanding written sentences and paragraphs in work-related documents.

    • Speaking
    :

    Talking to others to convey information effectively.

    • Writing
    :

    Communicating effectively in writing as appropriate for the needs of the audience.

    • Service Orientation
    :

    Actively looking for ways to help people and solve problems.

    • Social Perceptiveness
    :

    Being aware of others' reactions and understanding why they react as they do.

    • Complex Problem Solving Skills
    :

    Identifying complex problems and reviewing information to develop and evaluate options and implement solutions.

    • Time Management Skills
    :

    Managing one's own time and the time of others.

    • Excel / Spreadsheets
    :

    Using Excel to enter and format text and numerical data; insert, delete and manipulate cells, rows and columns; and create and save worksheets, charts, and graphs.


    • Word Processing; Using a computer application to type text, insert pictures, format, edit, print, save and retrieve word processing documents.
    • Databases
    :

    Using a computer application to manage large amounts of information, including and editing simple databases, inputting data, retrieving specific records, and creating reports to communicate the information.


    • Other PC skills such as Lotus Notes
    • Presentation Skills
    • Sales and Marketing Skills
    • Ability to Close the Sale
    • Leadership & mentoring
    Required Knowledge:


    • The ability to common size financial statements and understand the information.
    • Customer Service Knowledge and Skills
    • ABC Bank Products and Services
    • Commercial ,
    and Real Estate Loan Knowledge

    Required Education and Experience:

    Finance or Accounting Degree required or a commensurate level of experience and responsibility with another financial institution
    Minimum of 5 years credit analyst/loan officer/regulatory experience
    Related management experience
    EEO/AA/Background Disclaimer

    :


    If you are unable to submit your application electronically, you may contact the Human Resources Department at so that we may assist you.

    Our Company assures that all applicants for employment and all of its employees are given equal consideration based solely on job related factors, such as qualifications, performance and availability.

    Such equal consideration applies to all personnel actions, including, but not limited to, recruitment, selection, appointment, job assignment, training, promotion, merit increases, demotion, termination, pay rates and fringe benefits.

    The company commits to a rigorous and planned effort to encourage men and women of every race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status, or any other non-job-related characteristic to find happy, vital and productive job fulfillment at all levels of our company.

    Qualified applicants will be required to have a drug screen in addition to background, credit, and reference checks.

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