VP, Commercial Portfolio Management
- Responsible for partnering with business relationship management teams and other credit union departments to ensure desired results. Oversee the evaluation and management of creditworthiness of commercial clients, ensuring sound risk management practices, oversee commercial support areas to ensure that processes are adequate to ensure comprehensive risk management
- Lead and develop team of junior underwriters and portfolio managers to their highest potential by identifying their areas for improvement and appropriately coaching, training or correcting the employees’ performance.
- Train and supervise staff.
- Participate in and lead training for lending teams and branch staff to educate and enhance knowledge of business and deposit services.
- Work with confirmed loan authority (reviewed annually).
- Provide a high degree of mastery of credit underwriting and structure.
- Call on existing clients to maintain productivity and profitability in lending and non-lending relationships.
- Counsel Business Services Officers regarding cash flow, risk analysis, loan structure, and resource referrals.
- Identify problem loans and direct this to the Chief Operating Officer in a timely fashion.
- Manage the commercial portfolio of the Credit Union.
- Assist in the development, origination and management of loans.
- Demonstrate mentoring regarding loan structure, eligibility, credit issues and underwriting to members of the commercial banking department.
- Ensure and manage the portfolio for accurate loan documentation, exception issues and loan processing in accordance with NCUA regulations and standard operating procedures and Allegacy Lending policy.
- Uphold compliance with all policy requirements regarding the loan portfolio.
- Prepare memos, cash flow analysis, structuring, and administrating the closing process of a loan.
- Work with Senior Management, SVP of Business Services, and Loan Officers in, client management, integrated relationship management, special asset management and credit underwriting.
- Develop, approve, and service loans for business and individual clients within limits of personal and committee authority.
- Interview applicants to develop financial and credit information, to ascertain needs, abilities, earnings, and risk; request necessary information, such as financial and operating statements.
- Evaluate and extend credit and terms in accordance with policy and lending authority.
- Prepare and present/recommend to higher authority, individual, or committee any loans in excess of authority.
- Assume responsibility in participating in the review of the Credit Union loan portfolio conducting cross sectional analysis and stress testing. Prepare reports as requested.
- Monitor loans to ensure continuous conformity with terms and to keep abreast of changing business and economic developments that impact the loan portfolio, its profitability, and credit union/banking in general.
- Identify and market non-credit services by partnering with Financial Services Specialists in sales meetings, client and prospect calls, and developing and delivery of custom solutions.
- Service delinquent and special asset accounts as required.
- Responsible for exceptional member service to every member, every time by ensuring employees deliver consistently high-quality service to both internal and external member that is in alignment with our Brand Culture.
- Demonstrate enthusiastic support of corporate mission, core values and long-term objectives. Performs job duties within our bylaws, regulations, Board of Directors policies, established internal and external service standards and our work procedures.
- Must possess effective knowledge of the credit union’s products and services.
- Ensure understanding of the Performance Management system and company-wide objectives.
- Completion of all required compliance training.
- Meet or exceed established service goals.
- Be available to serve on the Member Business Internal Loan Committee as a voting member.
- Represent AFCU in the communities we serve by actively participating in civic affairs and local and professional organizations to enhance AFCU’s image.
- Assume additional responsibilities as requested.
Recommended Jobs
Delivery Driver - 504 Kirkwood HWY
Job Description Operate all equipment. Stock ingredients from delivery area to storage, work area, walk-in cooler Prepare product. Receive and process telephone orders. Take invent…
Assistant Store Manager
Average total pay: $16 - $21+ an hour (hourly base pay + uncapped tiered commission structure, based on meeting your sales goal) Comoto Holdings is America’s largest and fastest-growing omnich…
Sales Assistant
Job Description Job Description Job description Lee Spring is seeking a Sales Assistant to join our team. About us: Lee Spring manufactures and distributes mechanical springs, wire forms…
Manufacturing Associate
Requisition Number: 69751 The company built on breakthroughs. Join us. Corning is one of the world’s leading innovators in glass, ceramic, and materials sci…
Team Member
Job Description Job Description About the Role: We are seeking a highly motivated and skilled Team Member to join our team @ PLAYA BOWLS RALEIGH! As a Team Member, you will be responsible for …
Baker
Job Description Job Description Job Purpose Summary: Joe Van Gogh is seeking a part-time baker to join our culinary team. This position will be primarily mornings with some midday shifts avail…
Painter
Job Description Job Description Benefits: ~401(k) ~ Bonus based on performance ~ Dental insurance ~ Health insurance ~ Vision insurance CertaPro Painters is looking for experienced …
Chiropractor Charlotte NC
Chiropractor Charlotte NC $80k-$85k /year plus excellent bonus structure We are looking for a motivated Chiropractor to join our practice full time in Charlotte, NC. We are looking for someone wh…
Dining Services Aide
Job Description Job Description We are looking for a qualified Dietary Aide to prepare and serve food to people in our facilities. You will deliver dishes and ensure good sanitary condition in co…
Urgent Caregiver / $14 per hour
Job Description Job Description Benefits: Competitive salary Flexible schedule Training & development ~~~~ URGENT HIRING ~~~~ ~ Part Time ~$14/Hour ~10 am to 1:30 pm on M-W and 10…