What are the responsibilities and job description for the CREDIT MANAGER position at F & M Bank?
Description
The Credit Manager is responsible for the supervision, training, and development of the credit analyst team, working in conjunction with the Chief Credit Officer (CCO). Ensures that services provided by the credit analyst team are provided accurately, collaboratively, and efficiently to lenders. Routinely completes credit analyses on the most complex and largest loan transactions and provides recommendations on the extension of credit.
Requirements
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, skills, and/or abilities required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Knowledge, Skills, and Abilities
- Ability to communicate effectively orally and/or in writing.
- Ability to read, analyze, and interpret complex financial documents.
- Ability to respond to sensitive inquiries.
- Ability to define problems, collect data, establish facts, and draw valid conclusions.
- Ability to perform duties using credit analysis software.
- Ability to prioritize and meet deadlines.
- Ability to work with limited supervision.
- Ability to work with and maintain confidential information.
- Ability to lead and develop a diverse group of subordinates.
- Ability to supervise others ensuring work is completed.
- Ability to delegate work to subordinates.
- Possess effective interpersonal skills to relate to customers and employees.
- Proficient organizational skills with ability to function in a flexible work environment.
- Proficient skills in MS Excel, Outlook, and Word.
Education and/or Experience (Required and Preferred)
- A Bachelor’s Degree in Accounting, Business Administration, Finance, or other related field.
- A minimum of three years’ related experience or equivalent combination of education and experience.
- Prior supervisory experience preferred.
Certificates, Licenses, and Registrations:
Current driver’s license to travel to other bank branch locations or customers’ place of business.
Physical and Mental Demands:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential
functions.
- The employee regularly sits and uses hands to finger, handle, or feel objects, tools, or controls.
- The employee frequently is required to talk or hear.
- The employee is occasionally required to stand, walk, reach with hands and arms, stoop, kneel, or crouch.
- The employee must regularly lift and/or move up to 10 pounds.
- Specific vision abilities required include close vision, color vision, peripheral vision, depth perception, and the ability to adjust focus.
Work Environment:
- This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
- The work is performed primarily in an office setting.
- The noise level in the environment is usually moderate.
Position Type/Hours:
This is a full-time, exempt level position working Monday – Friday with other days and hours as necessary to
accomplish duties.
Travel:
Travel is primarily within the Bank’s market areas during the business day with occasional out-of-area travel for
continuing educational opportunities.