Primis

Manager

• Provide comprehensive and objective analysis of the financial condition and creditworthiness of prospective healthcare borrowers, primarily medical, dental and veterinary practices
• Perform ongoing due diligence on prevailing industry and market conditions
• Ensure quality compliance and credit monitoring of the healthcare portfolio
• Support new business development while adhering to the company’s risk appetite
• Research potential customers with Practice Solution Consultants and assess alignment with products, loan structures, credit needs and risk appetite
• Prepare preliminary spreads, cash flow analyses and comprehensive credit approval memos
• Provide rationale for credit declines and deliver credit packages to the Executive Credit Officer
• Supervise Credit Analysts and oversee BRR input, covenant setting, RAC peer review, term-sheet review and analyst analysis
• Ensure staff operate within regulatory and compliance guidelines and complete required training
• Assess incoming credit applications for completeness and quality of risk assessment, credit structure analysis, due diligence and credit presentation
• Balance customer risk with interest-rate pricing
• Approve new credits up to $500M and recommend approvals for larger exposures
• Monitor and control the portfolio within approved guidelines and operating policies
• Interpret and apply credit and operational risk-management strategy, including tracking approval and decline rates
• Recommend changes to credit policies, underwriting templates, peer-review RAC and operating systems
• Monitor past-due and overdraft reports, covenant compliance, monthly monitoring and annual reviews
• Assist with default strategy in consultation with the Executive Credit Officer
• Lead Credit Analysts in monitoring covenants, delinquencies, annual reviews and renewals as the team grows
• Maintain compliance with state and federal regulations and bank policies
• Perform other assigned duties

Healthcare Credit Manager