Credit Manager

Penn Community Bank

. Prepare and review detailed credit approval memorandums for complex lending relationships .

Posted 11/12/2026full-timePerkasie • Pennsylvania • United StatesMid-LevelSenior💰 $91,792 - $119,330 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates advanced commercial credit expertise with a strong understanding of credit risk management, regulatory expectations, and sound underwriting practices. Proven ability to lead and develop teams while ensuring adherence to internal credit policies and optimizing financial analysis quality.

Highest-signal resume keywords

Advanced Commercial Credit ExpertiseCredit Analysis and Lending ExperienceLeadership and Team DevelopmentRegulatory Compliance KnowledgeFinancial Statement Evaluation

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Credit Approval Memorandum PreparationRisk Mitigation StrategiesLoan StructuringCredit Risk ManagementFinancial AnalysisCredit Policy KnowledgePortfolio ManagementCredit ManagementComplex Financial Statement EvaluationRegulatory Guidance Compliance

Soft Skills

Coaching and MentoringOrganizational SkillsVerbal CommunicationWritten CommunicationProblem-Solving

Tools & Technologies

Microsoft OfficeBanking TechnologiesCredit SystemsWorkflow Platforms

Industry Keywords

Commercial Banking PrinciplesCRE LendingC&I LendingConstruction LendingCredit-Related LawsBank PoliciesEthics Standards

About the role

Key responsibilities & impact

Prepare and review detailed credit approval memorandums for complex lending relationships
Formulate approval recommendations, structural enhancements, and risk mitigation strategies
Lead and develop an assigned team of Credit Analysts supporting underwriting and loan decisioning
Manage coaching, onboarding, and development of junior staff
Review and optimize staff underwriting and financial analysis quality and consistency
Ensure adherence to internal credit policy, regulatory guidance, and sound banking practices
Administer departmental workflows and pipeline activities for loan originations, renewals, modifications, reviews, and related actions
Collaborate with commercial lenders, credit administration staff, and loan operations teams
Recommend credit actions and solutions, including approvals, modifications, structural changes, and risk-rating adjustments
Exercise independent credit approval authority within established lending policy guidelines
Engage with commercial lenders, loan administrators, bank team members, borrowers, and accountants when requested
Complete annual compliance and job-related training
Comply with banking regulations, Bank policies, procedures, privacy, and ethics standards

Requirements

What you’ll need

BA or BS in Accounting, Finance, Economics, or related field required
Minimum of 5 years’ experience in credit analysis, lending, portfolio management, risk review, or credit management; or an equivalent combination of education and experience is required
Minimum 2 years’ experience training/mentoring other credit analysts preferred
Advanced commercial credit expertise with experience analyzing complex CRE, C&I, and construction lending relationships
Strong understanding of commercial banking principles, loan structuring, credit risk management, regulatory expectations, and sound underwriting practices
Ability to evaluate complex financial statements, tax returns, borrowing structures, collateral valuations, and diverse sources of repayment
Leadership, coaching, team development, and analyst mentoring experience
Strong organizational and workflow management skills
Exceptional verbal and written communication skills
Thorough knowledge of credit-related laws and best practices
In-depth knowledge of the Bank’s credit policy, products, and services
Proficiency with Microsoft Office and ability to adapt to banking technologies, credit systems, and workflow platforms
Excellent time management, multitasking, prioritization, problem-solving, and analytical skills
Willingness to travel to other Bank locations as needed

Benefits

Comp & perks

Hybrid remote work basis
Professional development, coaching, and onboarding opportunities
Annual compliance and job-related training