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GBC Bank · 1 day ago

Commercial Credit Manager

Greenfield, IN

Full-time

Onsite

Senior Level, Lead/Staff

10+ years exp

GBC Bank is seeking a Commercial Credit Manager to oversee the operations of the loan department. The role involves managing credit approvals, mentoring analysts, and ensuring compliance with banking regulations while striving for process enhancements.

BankingFinancial ServicesVenture Capital

Responsibilities

Assist in managing the operations side of the loan department, which would include providing direction and supervision to the construction administrator, special assets officer, doc prep supervisor, loan ops manager, compliance, and credit

Review & critique credit approvals, financials spreads, loan documentation, and seek enhancements to the loan operations process

Compile complex credit approval proposals

Mentor & train less experienced credit analysts

Work with lending and appropriate teams to manage the past due loan process, financial ticklers, maturity reports, borrowing bases, construction draws, and real estate appraisal review processes

Review loan policy and other policies, for possible suggested updates and enhancements

A key point person in loan review engagements and audits

Contribute to loan committees and provide credit recommendations

Participate in client calls with lending team (as needed)

Continually strive to seek process enhancements and improvements

Complete other projects and tasks as assigned

Reinforces the application of superior customer service through his or her own example along with appropriate follow through with involved customers and employees and conducts specific periodic meetings and presentations on this topic with all staff members

Responds to inquiries or refers inquiries to the appropriate department or person and exhibits the necessary follow through with customers and/or staff involved

Maintains a current knowledge of changing legislation and regulatory climate and recommends changes to the Bank’s loan policies and procedures

Represents the Bank in various community, civic and community reinvestment functions to further enhance the Bank's image and develop additional business; assists the Bank in establishing and maintaining market position in the financing arena

Cross-sells the Bank's other products and services, referring customers to appropriate staff as indicated

Assist in meeting annual deposit and loan growth goals assigned by senior management and the Board of Directors; participates in various internal committees assigned by Senior Management and the Board of Directors

Responds to inquiries or refers inquiries to the appropriate department or person, and exhibiting the necessary follow through with customers and/or staff involved

Monitors staff in daily tasks, operations and quality control; ensures the organization of assigned areas of the department, coordinating available resources (e.g., staff, materials, etc.) for maximum results

Consistently applies superior decision making techniques pertaining to inquiries, approvals and requests as they apply to existing policies and procedures, keeping within assigned approval limits and using these instances as learning tools for employee development

Assumes responsibility for special projects; gathers data and prepares reports for the Board of Directors and other members of Senior Management, audits and other personnel

Plays a positive role in the development and growth of assigned department staff through excellent communication skills, both verbal and written, along with strong delegation skills assuring a highly cross-trained staff

Processes, solves and answers complex customer transactions, problems or inquiries

Answers telephones, answers questions and directs callers to proper Bank personnel

Assumes responsibility for various department functions in the absence of staff members or in overload situations

Treats people with respect; keeps commitments; inspires the trust of others; works ethically and with integrity; upholds organizational values; accepts responsibility for own actions

Demonstrates knowledge of and adherence to Equal Employment Opportunity (EEO) policy; shows respect and sensitivity for cultural differences; educates others on the value of diversity; promotes working environment free of harassment of any type; builds a diverse workforce and supports affirmative action

Assures compliance with all Bank policies, procedures and processes, and all applicable state and federal banking laws, rules and regulations; adheres to Bank Secrecy Act (BSA) responsibilities that are specific to the position

Completes administrative tasks correctly and on time; supports the Bank’s goals and values; benefits the Bank through outside activities

Performs the position safely, without endangering the health or safety to themselves or others and will be expected to report potentially unsafe conditions. The employee shall comply with occupational safety and health standards and all rules, regulations and orders issued pursuant to the OSHA Act of 1970, which are applicable to one’s own actions and conduct

Qualification

Credit analysisFinancial statement analysisLeadershipMicrosoft SuiteFinancial spreading softwareBank core systemsDetail orientedOrganizational skillsTime managementCommunication skills

Required

Bachelor's Degree required, emphasis in Business or Finance/Accounting preferred

10+ years' credit experience required, with a high level of understanding regarding tax returns, financial statements, and general accounting principles

Detail Oriented & Highly Accurate

Proficient in Microsoft Suite, financial spreading software, and experience in different bank core systems

Excellent organizational and time management skills with the ability to provide leadership

Ability to work with no supervision while performing duties

Current driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities