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Senior Credit Manager
Union Bank
Irvine, CA, United States
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Reporting to the Head of Lending Operations, Managing Director, this senior management-level role is responsible for middle market and business banking centralized underwriting, portfolio monitoring and loan closing and operation related processes for Commercial Bank. Responsible for the design, coordination, implementation and/or oversight of all processes affecting the centralized commercial credit team. Responsible for the lending operations direction, growth, compliance and coordination of all activities to ensure achievement of financial goals and expectations. Responsible for ensuring that the group's systems and operational infrastructure can support outstanding execution of current programs, as well as ensuring a leading position among competitors. Responsible for ensuring the effectiveness of new and existing processes, in coordination with all business partners. Responsible for establishing and enforcing Internal Service Level Agreements, maximizing and monitoring productivity and improving customer service. Actively participates in senior level management meetings, strategy planning, discussions and decisions. Manages 5 to 6 managers who manage 50+ Underwriters and Loan Administrators responsible for Commercial Bank centralized portfolio.
Major Responsibilities:
65% - Responsible for Credit Processing and Continuous Improvement. Responsible for interviewing, hiring, termination, coaching and counseling, training, performance reviews, compensation changes, promotions and transfers, delegating assignments, and oversight of work. Plan, direct, and coordinate operational activities at a senior management level. Take overall responsibility and accountability for loan administration and all aspects of labor management for all staff. Provide oversight to the Credit and Processing teams supporting Commercial Bank. Monitor staff performance against objectives. Lead Re-Engineering Initiatives. Lead systems enhancements and monitoring. Support Managers and Senior Operations Management Team of Commercial Credit Services to develop stream-lined processes and thorough management practices. Make recommendations to Senior Management for improvements on projects, processes, tasks and objectives. Create, simplify and improve processes to maximize efficiency and meet changing business needs. Build and manage pull-through Service Level Agreements (SLAs) for all credit and operations functions that support Commercial Bank. Negotiate external Service Level Agreements with business partners in support of Commercial Bank’s financial goals and objectives. Drive the development and design of new processes, systems and products. Drive the development and design of management reports highlighting various metrics, including capacity, production and efficiency. Coordinate work flow changes with internal and external departments of the Bank, ensuring maximum efficiency and customer service results.
15% - Foster Collaboration with Business Partners & Customer Service. Demonstrate good understanding of business unit dynamics and navigate effectively. Reach out to multiple groups to create and sustain a successful culture of collaboration and inclusive teamwork. Partner on initiatives to enhance products, service levels and drive performance. Enhance the division's reputation by proactively identifying and addressing pain points. Proactively initiate an information sharing process and anticipate the information needs of business partners. Take proactive steps to recognize, address or minimize conflict. Provide multiple desirable alternatives. Recognize and celebrate team successes. Proactively stay current and knowledgeable on industry-leading customer experience strategies and continually improve customer service. Set high, realistic expectations with all customers, including high profile or institutional customers, with results that exceed expectations. Anticipate and resolve customer problems in a timely manner and take proactive steps to prevent problems from occurring. Develop a process that regularly solicits customer feedback.
10% - Responsible for Risk Management. Actively participate in management meetings, strategic planning, discussions and decisions. Actively participate in the audit process to achieve satisfactory results. Interface with Executive Management, Line Management and Business Partner Management to resolve conflicts and issues. Address compliance, legal and audit issues as they relate to commercial operations. Work closely with other executives and senior managers to facilitate problem solving, and to obtain necessary resources to meet objectives.
10% - Responsible for Project Management Participation. Represent Commercial Bank’s interests and goals in Enterprise-Wide Projects. Support Project Managers within Commercial Credit Services to achieve winning results. Prepare functional requirements, feasibility studies, program specifications, user test plans and user training plans related to systems. Maintain a close relationship with Senior Management, Credit Administration, Internal Audit and other business partners through interaction with these units. Ensure that an open line of communication is established at all levels, both inside and outside the commercial credit center.
Qualifications
• Typically requires 15 or more years of commercial lending experience including credit portfolio management and client interaction skills.
• Excellent credit skills.
• A Bachelor's degree is required and an MBA is preferred.
• Effective people management, listening, verbal and written communication skills.
The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities duties and skills required of personnel so classified.
We are proud to be an Equal Opportunity / Affirmative Action Employer and committed to leveraging the diverse backgrounds, perspectives, and experience of our workforce to create opportunities for our colleagues and our business. We do not discriminate in employment decisions on the basis of any protected category.
A conviction is not an absolute bar to employment. Factors such as the age of the offense, evidence of rehabilitation, seriousness of violation, and job relatedness are considered in all employment decisions. Additionally, it's the bank's policy to only inquire into a candidate's criminal history after an offer has been made. Federal law prohibits banks from employing individuals who have been convicted of, or received a pretrial diversion for, certain offenses.