Credit Manager jobs in Saint Paul, MN

• Establishing clear goals that tie to the vision and mission of the business.
• Determine staffing needs; Recruit, hire and onboard talent.
• Document and conduct annual performance review process duties on time.
• Conduct ongoing one on one coaching sessions.
• Managing employee performance issues in a timely manner and adhering to employment policies.
• Participate in leadership training opportunities and apply learnings

• Provide credit expertise and direction to bankers and credit analysts with credit analysis, underwriting, loan structure and collateral evaluation prior to credit approval.
• Decision credit action requests within approved authority and in compliance with the Bank’s Credit Policy, procedures and guidelines in a timely way and based on the risk-taking philosophy of the Bank.
• Assess and evaluate the loan portfolio in order to achieve the desired results for asset quality, loan growth and profitability.
• Evaluate adherence to credit policy requirements and note policy exceptions.
• Evaluate the appropriateness of the loan structure.
• Make recommendations to the CCO with regard to the credit request being submitted for approval.
• Provide backup expertise to other banking segments.

• Monitor and identify past dues, non-performing assets, problem assets, and collections, concentrations, lending activities, impairment and portfolio trends.
• Monitor and work with lenders in clearing documentation exceptions
• Monitor and work with lenders and special assets staff in managing delinquent loans, reducing non-performing assets (NPA) and criticized asset levels.
• Work with Special Assets to establish the appropriate strategy for each relationship-retain, reduce or exit.
• Proactively assist with review of quarterly PAR reports and meetings
• Provide credit related training and direction to bankers, credit analysts, special assets staff and business banking assistants.

• Member of the Bank Credit Committee, Problem Asset Reviews and special assets/collections meetings
• Recommend additions and changes to policies and procedures to CCO.
• Ensure that the risk taking philosophy of the Bank and its lending strategies are adhered to.
• Follow up on Loan Review and Internal Audit findings and recommendations to be sure underwriting processes and practices are corrected as appropriate and directed.
• Support any regulatory examination processes by providing documentation and information.

• Partners with Bankers to represent the bank in developing and maintaining customer relationships.
• Create a positive working relationship with bankers and credit analysts to improve workflow and enhance productivity.
• Assist in identifying prospects and/or appropriate industries to focus sales efforts.

• Manage the financial process for Tier 1 or 2 vendor.
• Assign and/or oversee the risk designation (low, medium or high) on a timely basis

• Oversee and improve system and approval process.
• Provide back-up capability: directly and via training of a selected Credit Analyst.

• Required: Bachelor’s Degree or equivalent
• Preferred: Master’s Degree or equivalent

MidCountry Bank is an equal opportunity employer and does not discriminate against otherwise qualified applicants on the basis of race, color, creed, religion, ancestry, age, sexual orientation, marital status, national origin, disability or handicap, veterans status, genetic information or gender identity. MidCountry Bank is an EEO/AA Employer.