About the role

Branch Credit Manager

Job Summary:

The Branch Credit Manager plays a crucial role in overseeing the credit operations at our branch, ensuring sound credit decisions that align with company policies and local regulations. This position is pivotal in fostering strong customer relationships while mitigating credit risk and supporting the overall financial health of the branch.

Key Responsibilities:

Evaluate credit applications and conduct comprehensive assessments of applicants' creditworthiness.
Review and approve or deny credit proposals based on established criteria, ensuring timely processing.
Develop and monitor effective credit policies and procedures to minimize risk and enhance customer satisfaction.
Train and guide branch staff on credit-related matters, enhancing their knowledge of underwriting standards.
Analyze credit data and financial statements to identify trends and inform decision-making.
Collaborate with sales and operations teams to optimize the credit approval process while maintaining compliance.
Prepare reports for management on credit risk exposure and portfolio performance, providing recommendations for improvement.

Requirements:

Bachelor's degree in Finance, Business Administration, or related field.
Minimum of 3 years of experience in credit management or underwriting within the financial services industry.
Strong analytical skills with proficiency in interpreting financial documents and credit data.
Excellent communication and interpersonal skills, capable of maintaining positive relationships with clients and staff.
Thorough understanding of credit policies, regulations, and risk management practices.
Proficiency in credit analysis software and Microsoft Office Suite.
Ability to work independently and as part of a team in a fast-paced environment.

Preferred Qualifications:

Master’s degree in Finance or Business Administration.
Certification as a Credit Analyst (CCA) or similar designation.
Experience with credit risk modeling or financial forecasting.
Proven ability to mentor and develop junior staff in credit analysis processes.
Familiarity with automated credit application and underwriting systems.

Benefits:

Competitive salary with performance-based bonuses.
Comprehensive health, dental, and vision insurance plans.
Generous retirement savings plan with company matching contributions.
Paid time off, including holidays, vacation, and personal days.
Professional development opportunities and tuition reimbursement programs.
Flexible work hours and potential for hybrid work arrangements.
Employee discounts on banking products and services.