Credit Department Manager
Company: Country Club Bank (CCB) Financial
Location: Kansas City
Posted on: November 22, 2021
OpportunityDetail.CompanyInformation.Locations Credit Department
Manager Credit Department Manager Job Function: Within a dynamic
credit environment, manage all aspects of the bank's Credit
Department. This includes the active management and development of
a team of Credit Analysts. Leads development of the bank's CECL
modeling and ongoing management of the bank's loan loss reserve
including preparation of the quarterly ALLL and workout loans.
Administer the many software programs utilized by the Credit
Department. Supervise preparation of the minutes for various loan
committees. Ensure that quarterly portfolio reports are prepared
accurately and timely. Oversee preparation of monthly loan related
reports presented to the Board of Directors. Provide leadership and
promote sound and consistent underwriting, including the use of
Sageworks loan origination system. Essential Duties and
- Management and development of a team of credit Analysts to
handle underwriting and portfolio monitoring responsibilities at
the most efficient level possible. Make hiring decisions and
effectively coach and mentor while helping develop career paths
that result in associate retention and advancement as
- Prepare the bank's quarterly ALLL and develop the bank's CECL
(Current Expected Credit Loss) methodologies and models. Test
various models and prepare for parallel runs and ultimately
adoption of CECL in accordance with regulatory guidelines.
- Coordinate timely updates to quarterly Action Plans for problem
credits and regularly attend Problem Loan Committee meetings.
Ensure effective communication with Chief Credit Officer and other
members of Executive management regarding the status of workout
- Oversee development of small business lending and real estate
- Manage and enhance the CCB Institute of Credit Training to
identify future Credit Analysts and encourage careers in credit by
creating additional entry points into Credit from both internal and
external sources. Teach Credit Analysts to identify risk and trends
in borrowers' performance, portfolio segments, industries, and
markets based on the unique and dynamic characteristics of each.
Evaluate and discuss the degree of risk involved in extending
credit by performing cash flow analysis of businesses and global
cash flow analysis of larger credit relationships. Develop
intellectual curiosity in the Credit Analysts and enhance their
public speaking and presentation skills.
- Administer credit related software. Negotiate contract
renewals. Effectively deliver a suite of credit related products,
through Credit Analysts that facilitate the credit underwriting
process. Prior experience with Sageworks is preferred.
- Display a well-rounded knowledge of local market dynamics, a
variety of borrower types and a variety of industries. Consistently
communicate in a professional manner that is constructive and
influential. Build trust through a communication style that
reflects a willingness to listen to and consider alternatives,
while maintaining an objective and independent perspective.
- Ensure that Board reports and committee minutes are prepared
accurately and timely. Maintain and create portfolio level loan
reports for use by the Chief Credit Officer to manage a variety of
- Promote sound and consistent underwriting while utilizing bank
approved systems such as Sageworks. Manage the Sageworks
Administrator(s) to ensure that feedback from the line lenders and
Loan Assistants is effectively vetted and implemented as
appropriate. Through the Administrator, ensure that appropriate
ongoing and onboarding training of lenders is taking place.--
- Serve as an effective knowledge resource for those in the
Credit Analyst 1, 2 and 3 positions and others that require
assistance in learning foundational credit skills and information.
Contributes to team effort by accomplishing related results as
- Encourage Credit Analysts to further expand a professional
network by initiating relationships with other professionals (CPAs,
attorneys, appraisers, etc.) to begin referral network for new
business beyond participating in groups such as RMA and its Young
- Review legal documents and supporting information for proper
perfection. Strong leadership, management, and work ethic with
effective time management demonstrated by meeting productivity
goals and work-product quality goals through intense and focused
- Identify areas of personal performance in which continuing
development or additional training is desired or required in order
to further enhance professional development. Attend relevant
Country Club Bank internal and external continuing education
opportunities, as required.--
- Exhibits good leadership and management capabilities including
effective coaching, counseling and performance management of staff
to accomplish department objectives.
- Maintains staff by recruiting, selecting, orienting, and
training associates. Accomplishes staff results by communicating
job expectations, planning, monitoring and appraising job
- Follow established policies and procedures. Develops,
coordinates and enforces systems, policies, procedures, and
- Defines objectives, identifies and evaluates trends and
options, chooses a course of action, and evaluates outcomes.
- Maintains quality service by enforcing quality and customer
service standards, analyzing and resolving quality and customer
service problems, and recommending system improvements.
- Attend work regularly and consistently to ensure appropriate
staffing needs are met within the department and the organization
and needs are met in a timely fashion.-- Job Qualifications/
Required Skills and Abilities:
- Minimum of 10 years prior banking or other relevant experience
in commercial lending, loan review, loan operations or regulatory
environment with the desire to expand their level of knowledge in a
variety of credit related topics.
- An advanced knowledge of credit analysis, loan underwriting and
the overall field of risk assessment as applied to a diversified
loan portfolio. The demonstrated ability to spread financial
statements in Sageworks or similar type spreadsheet. In addition to
a significant level of general business knowledge, possesses a
significant base of knowledge across several business related
disciplines including Accounting, Economics, Finance,
financial--modeling and forecasting. 12 or more hours of completed
college level accounting coursework strongly preferred; however,
other advanced degrees might be considered suitable alternatives in
combination with experience.
- Strong leadership, management, and work ethic with effective
time management demonstrated by meeting productivity goals and
work-product quality goals through intense and focused effort.
Exhibits a high level of emotional intelligence. Fosters teamwork
and exhibits the ability to provide feedback, have critical
conversations, and hold associates accountable for outcomes.
- Good oral and written communication skills, including the
demonstrated ability to effectively communicate in the English
language (both written and verbal).
- Proficiency in Microsoft applications (primarily Word, Excel,
PowerPoint and Access), and general computer, web, and office
equipment utilization. Possess the aptitude to learn a variety of
- The ability to build rapport with a wide ranging audience (e.g.
all levels of bank personnel, outside consultants, regulators,
etc.). Adept at developing standards and performance expectations
that align with corporate goals.
- Ability to communicate effectively and professionally.
- Capacity and willingness to develop and utilize an appreciation
for details and more abstract, big-picture concepts.-- Equal
Opportunity Employer/Protected Veterans/Individuals with
Disabilities The contractor will not discharge or in any other
manner discriminate against employees or applicants because they
have inquired about, discussed, or disclosed their own pay or the
pay of another employee or applicant. However, employees who have
access to the compensation information of other employees or
applicants as a part of their essential job functions cannot
disclose the pay of other employees or applicants to individuals
who do not otherwise have access to compensation information,
unless the disclosure is (a) in response to a formal complaint or
charge, (b) in furtherance of an investigation, proceeding,
hearing, or action, including an investigation conducted by the
employer, or (c) consistent with the contractor's legal duty to
furnish information. 41 CFR 60-1.35(c)
Keywords: Country Club Bank (CCB) Financial, Kansas City , Credit Department Manager, Executive , Kansas City, Kansas
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