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Commercial Credit Manager


   Closing Date: Aug. 25, 2018

Employer:Elevations Credit Union
Job Location: Boulder - Boulder County
Employment Type:Full Time
Benefits:Competitive Compensation Package

Description:

When joining Elevations, you can expect to work for a company that:

Provides amazing experiences and creates raving fans.
Strives to provide solutions for a better life and promises employees it will be the best place they have ever worked.
Wins awards such as “Best Bank”, “Best Companies to Work for in Colorado” and even the “Malcolm Baldrige National Quality Award”, the only Presidential award for quality.
Has a highly-engaged workforce and emphasizes career growth, empowerment and servant leadership.



What’s in it for you:

Competitive pay, organization-wide incentive program, 401k matching, mortgage and auto discounts
4 weeks min. paid time off, work anniversary paid time off, 11 paid holidays, and 16hrs paid volunteer time off
Medical, dental, and vision health plans with FSA or HSA options
Onsite fitness center, Zumba and yoga classes, health fairs with biometrics screening and flu shots
Employee Assistance Program with a variety of services
Career development, trainings, career coaching, job shadowing, mentoring program, tuition reimbursement up to $5,000/year, and a recognition system
Culture of excellence and continuous improvement
We strive to be the best place you’ve ever worked!



Position Summary/Objective:

Oversight of a team of Commercial and Small Business Analysts, supporting Business Lending who analyze commercial credit/small business opportunities, recommending appropriate lending structures, delivering quality credit memos with support and participating in the annual review process. This role will recommend and develop departmental procedures for policy adherence and effectively communicate and collaborate with impacted stakeholders. Day to day work will include oversight of team conducting cash flow analysis, spreading business financials and tax returns, spreading guarantor financials and tax returns, and other underwriting functions. The Commercial Credit Supervisor is expected to take the initiative to make improvements to business services procedures and processes to enhance the work environment and member experience. The incumbent will help ensure adherence to all Federal and State laws and regulations applicable to the Credit Union, including the Bank Secrecy Act.

Duties:

Essential Functions include:

Collaborate with Commercial and Small Business leaders on leading/supporting business initiatives, prioritization of work and setting/adhering to work standards for productivity levels, timeliness of work and work quality.
Proactively develops and presents credit policy recommendations to mitigate risk with a prudent balance of risk vs reward
Expected to be able to individually produce the work of Commercial and Small Business analysts by analyzing commercial credit and small business opportunities (including but not limited to, cash flow, debt service coverage, leverage, liquidity, collateral loan to values, risk analysis, etc.), and to generate quality credit memos for credit committee with accurate, thorough and thoughtful supporting documentation.
Assists members and internal departments with research and resolution of problems relating to business services commercial lending products.
Ensures the integrity of the loan origination and annual review process by verifying accurate business loan data.
Ensures loan recommendations conform to the Credit Union's lending policies and are in compliance with regulatory and legal requirements.
Works with the internal Business Intelligence Team in creating and communicating critical performance data related to all commercial products and services.
Works with IT and other supporting departments on necessary technology and project implementations and enhancements.
Oversight of direct reports with focus upon serving members, serving and collaborating with partners, employee engagement, career pathing and career development.

Qualifications:

Required Education and Experience:
Four-year college degree in finance, accounting, business management or closely related field preferred.
Must have minimum 5 years of experience as commercial underwriter or closely related position working with credit analysis of business and personal financials.
Must have minimum two years of experience managing a team of direct reports.
Small business lending experience required.
Commercial Real Estate lending required.
Construction lending experience required.



Preferred Education and Experience:
Master’s degree in finance, accounting, business management or related field is a plus
Commercial & Industrial (C&I) lending experience a plus
Experience with common financial institution technology a plus (Symitar, Baker Hill, Salesforce, Imaging Software, Power Pivot, etc.)

Other Duties: Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.



About Us: Elevations Credit Union is a member-owned not-for-profit financial institution serving Colorado’s Front Range. Founded in 1953, we’ve grown from 12 members and less than $100 in assets to an institution with 13 branches and more than 120,000 members that manages over $1.7 billion in assets and is the No. 1 credit union mortgage lender in Colorado. At Elevations, we’ve made a commitment to move away from a product-centered business model and focus instead on creating consumer solutions. Our objective is to provide our members, as well as the entire community, with unbiased consumer information.



EEO Statement: Elevations Credit Union is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, marital status, age, national origin, ancestry, physical or mental disability, medical​​​ condition, pregnancy, genetic information, gender, sexual orientation, gender identity or ​expression, veteran status, or any other status protected under federal, state, or local law. All aspects of employment including the decision to hire, promote, discipline, or discharge, will be based on merit, competence, performance, and business needs.



Candidates for certain positions may be required to submit to a credit history report in determining qualification for employment with Elevations Credit Union. If the position you are applying for requires a credit history report, any information received in such a report will not be the sole factor in making an employment decision. A history of personal financial irresponsibility may be reason for disqualification insofar as it relates to your potential job duties. Elevations Credit Union is aware that occasionally there are extenuating circumstances that may affect an individual's credit history. We comply with the Fair Credit Reporting Act and the Colorado Employment Opportunity Act.


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