Branch Credit Manager - Loans

As a Branch Credit Manager, you will be responsible for overseeing credit decisions, managing credit quality, and ensuring the overall financial health of the branch's loan portfolio.

Your key responsibilities will include:

- Evaluate loan applications based on available information and interactions with applicants.

- Make sound credit decisions that balance risk and reward.

- Manage credit quality and control delinquency rates.

- Implement measures to prevent fraud.

- Track and analyze key performance indicators, including loan losses, portfolio quality, cost of credit administration, and employee productivity.

- Identify areas for improvement and implement corrective actions.

Required Skills and Competencies:

- Experience: 4-6 years of experience in credit or underwriting.

- Knowledge: Understanding of portfolio metrics and credit risk management principles.

- Interpersonal Skills: Strong interpersonal skills to build relationships with team members, applicants, and other stakeholders.

- Leadership: Ability to lead and motivate a team to achieve branch goals.

Desired Skills and Experience:

- Credit Risk Management: In-depth knowledge of credit risk management frameworks and methodologies.

- Credit Underwriting: Expertise in credit underwriting techniques and processes.

- Credit Analysis: Ability to analyze financial statements and other credit-related data.

- Risk Assessment: Proven ability to assess and manage risk effectively.

- Experience in the Credit Risk domain: Prior experience in credit risk roles or related fields