Commercial Portfolio/Credit Manager at The Atlantic… · Springfie…

Responsible for the support of the Commercial Lending function, including assistance with loan questions, accompanying loan officers on calls when needed, preparation and presentation of loans to management and/or the Loan Committee, and the processing and closing of commercial loans.

· Review commercial and business loan applications and ensure proper loan disclosure.

· Perform credit analysis to evaluate creditworthiness of commercial applications, including financial statement spreads, cash flows, rental economics, appraisal and environmental reviews, and all other aspects of underwriting.

· Compare liquidity, profitability, and credit to similar businesses in the same geographic location.

· Ensure departmental compliance with all applicable Federal, State, laws, and regulations.

· Monitor existing loan portfolios to maintain a high-quality asset base and maintain up to date member files, including current financials, and all other required documentation.

· Evaluate member hardship requests to recommend payment plans as necessary.

· Consult with members to resolve loan concerns or member issues.

· Determine risk in extending credit and assign appropriate loan/risk grade.

Education and Experience:

· Bachelor's degree in business, accounting, or finance

· At least five years’ related experience required.

· Formal credit training preferred.