Credit Supervisor (Commercial Loans)

American Heritage Credit Union, a $4.3 billion credit union, has an immediate opening for a Commercial Lending Credit Supervisor. This position will assist lead and manage Credit Analysts to ensure they are providing ultimate service to the members, employees, vendors, and clients of the Credit Union while maintaining accuracy and consistency. Responsible for the credit granting process, including assessing the creditworthiness of members, minimizing debt losses, investigating credit applications, managing corporate financing programs, and maintaining corporate credit policy.

RESPONSIBILITIES INCLUDE:

• Assist the Commercial Credit Lending Manager with overseeing the daily operations and staff of the credit function in the commercial lending department and establishing service and operating processes and procedures for the credit analyst team.
• Maintain a highly motivated, well-trained staff and evaluate job performance in a timely manner to ensure quality of work and service to members and staff; Review and assign work to staff; Provide training and coaching to new and existing team members; Meet with staff regularly to review goals and develop and implement effective methods for performing their job duties
• Ensure that the Credit Analysts maintain accuracy and consistency while spreading personal and business financial statements and tax returns.
• Analyze business and personal cash flow.
• Evaluate and interpret accounts receivable and payable aging reports.
• Prepare collateral analyses.
• Monitor and track compliance with loan covenants.
• Supervise the commercial appraisal review process.
• Assist with managing the construction lending process including evaluating draw requests, monitoring the construction loan portfolio, and maintaining the construction loan report.
• Assist in the preparation of the NCUA and third-party exams; Interact directly with both federal and third-party examiners and auditors.
• Assist in the preparation of department reports.
• Supervise the environmental review process.
• Review loan closing documentation such as title work, corporate documentation, property/flood searches, and insurance certificates to ensure accuracy and completeness.
• Effectively interact with commercial lending processors, treasury/cash management, third-party partners and vendors such as Member Business Financial Services, LLC and maintain excellent rapport and communication.

QUALIFICATIONS:

• At least 5 to 8 years of similar or related experience in a financial institution.
• Equivalent to a college degree (BS or BA in a relevant field).
• Prior credit management/supervisory experience preferred.
• Experience in the following preferred: Commercial credit analysis, business and personal credit report analysis, appraisal review, environmental review, construction lending, collateral analysis.
• Meridian Link Experience preferred.

Our commitment to your success is enhanced by our competitive rate commensurate with experience and an extensive benefits package including paid time off, health benefits, 401(k) with a generous escalating company match, and future growth opportunities within the company. We work to maintain the best possible professional and environmentally friendly atmosphere for our employees.

To be considered, correspondence should include a resume listing job history and salary expectations. Please be advised that credit, criminal, employment, drug/alcohol testing and education background checks are conducted on potential candidates. All new hires are required to show proof of vaccination status against COVID-19 prior to employment with the Credit Union and/or its subsidiaries. Exemptions to this requirement will be considered on a case-by-case basis in accordance with applicable law. All resumes will be reviewed, but only competitive candidates will be contacted for further conversation.

** Come experience why American Heritage Credit Union is a award winner in the Philadelphia Business Journal Best Places to Work contest!! ** WE OFFER YOU THE RIGHT FINANCIAL SOLUTIONS BECAUSE YOU ARE FAMILY.

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