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First Commonwealth Federal Credit Union · 2 days ago

Senior Credit Administration Manager

Allentown, PA

Full-time

Onsite

Senior Level

5+ years exp

First Commonwealth Federal Credit Union is seeking a highly skilled and experienced Senior Credit Administration Manager to lead their Credit Administration team. This role involves overseeing credit analysis, monitoring credit risk, and providing leadership to ensure adherence to lending policies and regulatory standards.

BankingFinanceFinancial ServicesImpact InvestingLending

Diversity & Inclusion

Responsibilities

Oversee the daily operations and performance of the Credit Administration Department, providing direction, and guidance

Lead department initiatives to improve workflow efficiency, data accuracy, and turnaround time

Prepare, review, and approve comprehensive credit memoranda, including new loan requests, renewals, and annual reviews, with clear recommendations and risk ratings with a focus on larger and more complex commercial borrowers

Review and validate collateral valuations, appraisals, and borrowing base reports to ensure adequate risk mitigation

Maintain strong familiarity with all commercial loan relationships and ensure ongoing portfolio monitoring, including financial reporting, covenant tracking, and risk rating accuracy

Identify and escalate emerging credit risks, potential problem loans, and portfolio trends to senior management and the Credit Committee

Serve as a resource to the Commercial Lending team, ensuring proper loan structure, policy compliance, and regulatory adherence

Partner with relationship managers to support approvals of new and existing commercial loans

Participate in commercial loan committee meetings and provide credit risk insights as appropriate

Partner with the Chief Lending Officer and CFO in loan review and portfolio reporting to the Business Lending Committee, Board, regulators, and auditors

Assess compliance with credit policy, procedures, and NCUA regulations and support exceptions appropriately

Recommend policy enhancements to strengthen risk management and efficiency

Support internal and external audits and regulatory examinations by providing documentation and responses as requested

In conjunction with finance and business intelligence, develop and maintain analytical tools, models, and reporting that support strategic decision-making and credit quality oversight

Maintain current knowledge of credit union policies, procedures, and regulatory guidelines

Stay current on market trends, industry performance, and economic indicators impacting member businesses and overall credit risk

Comply with all applicable federal and state regulations, including NCUA, BSA/AML, and Fair Lending

Satisfactorily completes all required compliance training and complies with all regulations which apply within the scope of the position

Foster a culture of accuracy, accountability, and professional development within the Credit Administration team

Support the Mission and Vision

Demonstrate the Values, Member Experience Model, and Employee Experience Model

Qualification

Commercial credit analysisPortfolio risk managementLeadership experienceFinancial statement analysisCredit risk managementCollateral valuation methodsMicrosoft Excel proficiencyAnalytical skillsTrainingCoachingProblem-solving skillsCommunication skillsIntegrity