<p>Responsibilities include but are not limited to:</p> <ul> <li>Lead the end to end management of a portfolio of criticized, classified, and non performing commercial loans. </li><li>Develop and execute strategic and legal action plans for each relationship, for cost effective maximum recovery for the bank. </li><li>Maintain strict oversight of financial performance, covenant compliance, collateral integrity, and borrower-operating trends. </li><li>Identify emerging risks early and take immediate corrective action to minimize loss exposure. </li><li>Conduct financial, cash flow, collateral, and global exposure analyses to determine the most effective workout strategy. </li><li>Recommend forbearance structures, repayment strategies, liquidations, or exits based on quantitative and qualitative assessments. </li><li>Prepare clear, defensible credit memoranda and recommendations for senior credit authorities. </li><li>Lead negotiations with borrowers, guarantors, and third parties with a firm, disciplined approach that prioritizes the Bank's recovery and risk position. </li><li>Establish performance expectations, enforce compliance timelines, and escalate when borrowers fail to meet requirements. </li><li>Build professional but authoritative borrower relationships that drive transparency and accountability. </li><li>Partner closely with internal and external legal counsel on litigation, bankruptcy, foreclosure, receivership, and other enforcement actions. </li><li>Ensure full adherence to regulatory guidance, including OCC requirements for problem loan oversight, classification accuracy, and documentation integrity. </li><li>Maintain complete and audit ready files, action plans, and system records. </li><li>Provide clear direction and subject matter expertise to internal partners, including credit risk, operations, valuation teams, and senior management. </li><li>Communicate credit deterioration, strategic options, and projected losses with precision and urgency. </li></ul> <p>Required Skills:</p> <ul> <li>Strong command of commercial credit, financial statement analysis, and collateral valuation. </li><li>Proven experience resolving complex distressed credits and negotiating restructures. </li><li>High level of judgment, assertiveness, and decision making ability. </li><li>Excellent written and verbal communication skills, especially in high stakes borrower and attorney interactions. </li><li>Ability to manage a high volume of criticized relationships while maintaining accuracy, timeliness, and regulatory compliance. </li><li>Ability to use basic computer programs such as Word, Excel, Teams, Zoom and Outlook. </li><li>The ability to review and understand documents such as notes, guaranties, security agreements and mortgages, and the meaning and significance of provisions and terms contained therein. </li><li>Understanding of legal proceedings and terms. </li><li>Excellent organizational skills and the ability to handle multiple projects and deadlines. </li></ul> <p>Required Experience:</p> <ul> <li>High School Diploma or GED equivalent and a minimum of 7 years of related experience. </li></ul> <p>Preferred Experience:</p> <ul> <li>Bachelor's Degree and a minimum of 5 years' related experience, JD degree or training or experience with legal proceedings such as foreclosures, collections actions and bankruptcies. </li></ul>