COMMERCIAL CREDIT MANAGER

The Commercial Credit Manager functions as a team leader and credit resource recommending appropriate structures, risk mitigants, and risk ratings for a wide range of loan requests while managing workflow and supervising Credit Analysts. Works closely with business line partners to efficiently and strategically grow the commercial loan portfolio. Supports timely completion of credit requests and ensures that work product is aligned with bank standards for consistent content/format and adheres to applicable commercial policies and regulations. This position is responsible for coaching and mentoring Credit Analysts and underwrites more complex credits as needed. Responsibilities may be allocated by region and/or credit products supported.

Essential Functions
* Ensure underwriting product is consistent with established content and format requirements and aligned with Credit Policy
* Maintain a knowledge and understanding of regulatory / accounting concepts affecting commercial credit, including Appraising/FIRREA, Troubled Debt Restructuring, Non-Accrual and Impairment
* Participate in quarterly "watch list" meetings with lending and supervisory staff
* Assist Director of Credit Management in communicating risk appetite to team and business partners and ensure salient credit risks are fully discussed in the credit decision process. Support adherence to credit quality standards and concentration limits.
* Assure financial statements, industry data, and any applicable third party due diligence are obtained for underwriting.
* Ensure sustained satisfactory reviews by regulators, internal auditors, external auditors, and loan review for depth of underwriting, appropriateness of structure, identification of Policy Exceptions, and stress tested analysis of credits underwritten.
* Ability to manage, mentor and develop skills of credit analysts
* Analyze financial statements
* Identify and resolve problems or issues with escalation to senior managers as appropriate
* Remain current on all banking rules and regulations relating to Credit Administration
* Meet or exceed established service level expectations
* Participate with the lending staff on commercial credit customer calls as needed
* Independently review and analyze credit requests including large and complex commercial and industrial and commercial real estate with the objective of facilitating loan originations in a timely manner, within acceptable credit risk parameters
* Maintain the desired balance between growth, profitability, and credit quality
* Monitor, develop, and suggest revisions to workflows and procedures as necessary to enhance efficiency and minimize expenses
* Recommend improvements to policies, procedures, and work flow to maximize efficiency and control costs
* Identify potential for credit losses and proposing appropriate risk mitigants as appropriate

Additional Essential Functions
* Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
* Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
* Work as part of a team
* Work with on-site equipment

Additional Responsibilities
* Ensure compliance with Northwest's policies and procedures, and Federal/State regulations
* Navigate Microsoft Office Software, computer applications, and software specific to the department in order to maximize technology tools and gain efficiency
* Work as part of a team
* Work with on-site equipment

Safety and Health for Supervisors with Direct Reports
* Provide leadership and positive direction for maintaining the safety and loss prevention program
* Actively participate in and support employee participation in the safety and loss prevention program by ensuring that employees know how to properly report a safety issue, making sure that all accidents are promptly reported to Human Resources and documented, and ensuring that prompt action is taken whenever workplace hazards are identified
* Help implement emergency procedures

QUALIFICATIONS
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education
Bachelor's Degree Business, Accounting, or related degree

Work Experience
8 - 12 years Experience in an area related to commercial lending and / or commercial credit administration, specifically related to Commercial, CRE, SBA, Sponsor, Corporate, and Equipment finance

General Supervisory/Manager Knowledge, Skills, and Abilities
* Ability to identify existing and potential problems, obtain and evaluate relevant information, identify possible causes of the problems, and suggest an alternative course of action including innovative or creative approaches
* Ability to allocate and effectively use information, personnel, time, and other resources necessary for implementation of Northwest's strategic plans
* Ability to make decisions, render judgments, and take action on tasks within the scope of given authority in a timely fashion
* Ability to develop, evaluate, and implement alternative courses of action, based on correct assumptions concerning resources and guidelines, and support decisions or recommendations with data or reasoning
* Ability to present and express ideas and information effectively and concisely in an oral and/or written mode in a manner appropriate for the audience Extensive
* Ability to listen and comprehend what others are saying and facilitate the open exchange of ideas and information
* Ability to motivate and provide direction in the activities of others, appropriately assigning work and authority, in the accomplishment of goals; providing advice and assistance as required
* Ability to understand and appropriately apply procedures, requirements, regulations, and policies; maintain credibility with others on specialty matters

Additional Knowledge, Skills and Abilities
Financial analysis skills for complex and diverse loan portfolio, with ability to distill primary credit risk issues from detailed analyses; propose appropriate loan structures and risk ratings
Knowledge of credit standards and underwriting practices covering a broad range of commercial credits including C&I, CRE, Municipal Lending, and Lending to Non-profit Organizations