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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in managing small business loan portfolios, with a strong focus on risk management, credit analysis, and team leadership. Proficient in developing repayment strategies and ensuring compliance with banking policies and procedures.
Highest-signal resume keywords
Commercial Banking ExperienceLoan Workout ExpertiseTeam LeadershipFinancial AnalysisNegotiation Skills
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit AnalysisRisk ManagementLoan ResolutionPortfolio ManagementDebt RestructuringBanking Policy CompliancePerformance EvaluationForecast CertificationAsset ManagementProblem Loan Resolution
Soft Skills
Communication SkillsInterpersonal SkillsProblem SolvingCoachingTime Management
Tools & Technologies
Microsoft Office
Certifications & Qualifications
Bachelor's Degree in BusinessMaster's Degree in Business Administration (Preferred)Graduate Banking School (Preferred)
Industry Keywords
Small Business LendingCommercial LendingNon-Performing AssetsCharge-OffsBanking RegulationsLoan Portfolio ManagementFinancial ForecastingAsset Carrying ValuesCredit RequestsEconomic Developments
About the role
Key responsibilities & impact- Manage and provide leadership to a team of Small Business Default Solutions Asset Managers
- Maximize return on a portfolio of CSBB Small Business criticized and classified loans in accordance with Bank policy, procedures, and strategic goals
- Assign and manage SBDS Asset Managers' workload to ensure a balanced portfolio
- Provide leadership and coaching on repayment and resolution strategies for criticized and classified small business loans
- Ensure appropriate risk ratings, accrual status, and asset carrying values
- Co-approve credit requests, non-accruals, and charge-offs within established authority levels
- Develop an effective risk management culture through coaching, counseling, feedback, and reinforcement
- Assist with complex credit analysis and negotiations involving commercial lending relationships, debt restructuring, bankruptcies, liquidations, and foreclosures
- Evaluate and recommend personnel actions including employment, training, performance ratings, salary changes, promotions, transfers, terminations, career enhancement, and staffing levels
- Provide monthly certification of forecasts for non-performing assets, losses, and OREO transfers
- Ensure cooperation with teammates from other Business Lending Units to mitigate risk and escalate issues
- Keep abreast of Bank policy and business and economic developments affecting the loan portfolio, profitability, and banking
Requirements
What you’ll need- Bachelor's degree in business, finance, or banking or comparable education and related training
- Minimum of 10 years commercial banking or equivalent experience, including at least 5 years of loan workout or problem loan resolution experience
- Minimum of 7 years of management experience
- Superior negotiation, communication, interpersonal, financial analysis and problem solving skills
- Ability to handle multiple priorities under time constraints
- Proficiency in basic computer applications, such as Microsoft Office software products
- English language fluency required
- Master's degree in business administration, finance, or banking preferred
- 15 years of experience in commercial banking, loan workout, and/or relationship management preferred
- Graduate Banking School preferred
Benefits
Comp & perks- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability insurance
- Accidental death and dismemberment coverage
- Tax-preferred savings accounts
- 401k plan
- At least 10 days of vacation during the first year of employment (prorated)
- 10 sick days during the first year of employment (prorated)
- Paid holidays
- Defined benefit pension plan (depending on position and division)
- Restricted stock units (depending on position and division)
- Deferred compensation plan (depending on position and division)