Commercial Credit Supervisor

Job not on LinkedIn

🕒 3 days ago

🤠 Texas – Remote

🤠 Texas – Remote

💵 $99.4k / year

⏰ Full Time

🟡 Mid-level

🟠 Senior

👻 Ghost score 1%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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A+ Federal Credit Union

WebsiteLinkedInAll Job Openings

201 - 500 employees

Founded 1949

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

A+ Federal Credit Union is a member-focused financial institution that offers a wide range of banking services including checking and savings accounts, loans, and investment options. With the goal of building stronger communities, A+ FCU engages in various community support initiatives and provides educational resources for financial literacy. They prioritize member benefits and offer tools such as online banking and mobile apps to enhance the banking experience.

📋 Description

• Provide day-to-day leadership and operational oversight of the commercial credit analyst team • Manage workflow, workload distribution, service level expectations, work quality, training, coaching, and employee development • Supervise daily operations, including coaching, mentoring, hiring, training, scheduling, and setting performance and service goals • Establish and review performance standards, complete employee evaluations, and conduct disciplinary actions as needed • Conduct staff meetings and communicate updates, align priorities, and reinforce service standards • Develop career development plans, educational support requirements, goal setting, and training opportunities • Perform and review commercial credit analyses and support consistent risk ratings and credit recommendations • Address underwriting questions, service issues, and escalations with commercial sales, processing, servicing, collections, and leadership • Approve requests within delegated authority and escalate requests outside authority or policy • Manage and monitor the underwriting pipeline, workload balance, production goals, and expected turn times • Resolve member disputes, escalations, and service-related issues • Support annual reviews and ensure financials and review materials are completed timely • Ensure credit presentations, financial spreads, written narratives, risk ratings, and recommendations are accurate and compliant • Assist with internal audits, independent loan reviews, regulatory examinations, executive and Board reporting, and remediation of findings • Underwrite commercial credit requests and manage an individual workload as needed • Analyze financial statements, tax returns, cash flow, debt service capacity, collateral, guarantor support, credit reports, and industry conditions • Prepare financial spreads, relationship profitability analyses, credit narratives, recommendations, and risk ratings • Research industries, markets, and borrower-specific risks • Complete credit analyses for new loans, renewals, extensions, modifications, servicing requests, and annual reviews • Partner with loan officers and management on loan structure, covenants, collateral, guarantor support, and risk mitigation • Perform periodic reviews of existing commercial relationships • Ensure compliance with legal requirements, lending regulations, policies, procedures, and documentation standards • Maintain knowledge of commercial lending, financial analysis, risk rating practices, portfolio management, regulations, and products • Collaborate with Collections, Compliance, Legal, Finance, and other internal partners • Complete annual regulatory and compliance training • Serve as a team member or project lead on initiatives • Maintain confidentiality and perform other assigned duties

🎯 Requirements

• High School diploma or G.E.D. equivalent required • Bachelor’s degree preferred • Five years of complex commercial credit analysis, commercial underwriting, or commercial loan review experience required • Three years of financial institution experience required • Two years of management experience preferred • Demonstrated leadership, coaching, and interpersonal skills • Advanced knowledge of financial and accounting concepts, including financial spreading, financial statement analysis, cash flow analysis, global cash flow, debt service capacity, liquidity, and trend analysis • Strong knowledge of commercial lending, credit analysis, loan structuring, collateral evaluation, risk rating methodologies, and portfolio management practices • Ability to analyze complex commercial credit relationships, identify material risks and mitigants, and communicate clear, well-supported recommendations • Ability to review work for accuracy, completeness, consistency, and adherence to underwriting standards • Excellent written and verbal communication skills, including preparing professional credit memoranda and explaining complex credit matters • Strong organizational, prioritization, and workflow-management skills • Proficiency with Microsoft Office applications, including Excel, Word, and Outlook; experience with Symitar or comparable core systems • Working knowledge of laws, regulations, policies, and procedures applicable to commercial lending and member business lending • Ability to exercise sound judgment, maintain confidentiality, manage conflict, work independently and collaboratively, adapt to changing priorities, and meet deadlines • Ability to work at least 40 hours a week • Must be able to communicate continuously through telephone, e-mail, and in-person communications

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