<p>Position: VP/Commercial Credit Manager</p> <p>Department: Commercial Administration</p> <p>Job Status: Full-Time</p> <p>FLSA Status: Exempt</p> <p>Grade: 15 $117,425.49 - $176,138.8</p> <p>Amount of Travel: No Travel</p> <p>Reports To: SVP, Chief Credit Officer</p> <p>Positions Supervised: Credit Analyst, Sr. Credit Analyst, AVP, Appraiser</p> <p>POSITION SUMMARY</p> <p>Responsible for the day-to-day management of the Credit Department, providing oversight to a team of credit professionals evaluating the risk in the Bank's middle-market commercial loan portfolio. Effectively manage the process to maintain and improve the current performance level, maintain open communication between the Credit and Commercial Lending teams, and ensure team achieves desired turnaround times and achieves quality standards leveraging technology.</p> <p>ESSENTIAL FUNCTIONS</p> <ul> <li> <p>Responsible for the quality and integrity of financial analysis, underwriting, and risk ratings in accordance with the Bank's Loan Policy and regulatory requirements. Manage the loan approval process and ensure credit analyses are:</p> </li><li> <p>Complete and identify relevant risks; and</p> </li><li> <p>Provide appropriate information to make lending decisions; and</p> </li><li> <p>Identify early risk indicators and/or structural issues to prevent or reduce loan losses.</p> </li><li> <p>Maintain appropriate underwriting guidelines and credit quality standards to mitigate risk.</p> </li><li> <p>Make recommendations to ensure soundness of credit decisions, including but not limited to, loan structure, terms and conditions for approval.</p> </li><li> <p>Work collaboratively with Commercial Team Leaders in the Commercial Lending Department to provide input to balanced loan structures and ensure timely completion of credit requests.</p> </li><li> <p>Ensure adequate tracking and reporting of the completion of annual line of credit renewals and annual relationship reviews.</p> </li><li> <p>Coordinate and oversee of the risk rating change process.</p> </li><li> <p>Train and develop staff including oversight of the credit training program. Identify and coordinate appropriate outside training resources (RMA, MassBankers, CFT, etc.) and develop and implement internal training materials. Monitor staff progress.</p> </li><li> <p>Coordinate with external auditors and loan reviewers, including but not limited to, scheduling, request list items, exception resolution and reporting to internal parties such as senior management and the Audit Committee.</p> </li><li> <p>Identify and track exceptions to Loan Policy utilizing technology.</p> </li><li> <p>Establish and monitor Department productivity goals.</p> </li><li> <p>Provide insight in to and recommendations for the Bank's Loan Policy working directly with the FVP, Credit Administration.</p> </li><li> <p>Responsible for maintenance of digitizing and imaging credit files.</p> </li><li> <p>Must complete BSA, AML, and other Regulatory and Continuing Education as assigned.</p> </li><li> <p>Must adhere to all bank and regulatory policies and procedures specific to position.</p> </li><li> <p>Assumes additional responsibilities as requested.</p> </li></ul> <p>POSITION QUALIFICATIONS</p> <p>Competencies</p> <ul> <li>Analytical Skills </li><li>Communication </li><li>Employee Development </li><li>Organizational Skills </li><li>Productivity </li><li>Quality </li><li>Teamwork & Cooperation </li></ul> <p>Education/Experience/Skills & Abilities</p> <ul> <li>Bachelor of Science Degree in Accounting, Finance or Business Administration or relevant work experience. </li><li>Minimum of seven years' experience in a commercial underwriting, lending, loan review or similar role with experience in CRE, C&I, construction/development lending and/or risk management. Strong underwriting and risk management skills with demonstrated ability to identify, measure and mitigate risk. </li><li>Solid understanding of credit / loan structuring in a commercial banking environment. </li><li>Proficient in Microsoft Word and Microsoft Excel. </li><li>Strong personal organization skills. </li><li>Excellent written and verbal communication skills and ability to provide good judgement on when resolve and when to escalate issues </li><li>Strong transactional and strategic critical thinking skills. </li><li>Ability to make decisions and operate with minimal day-to-day supervision. </li><li>Knowledge of loan and collateral legal documentation. </li></ul> <p>PHYSICAL DEMANDS</p> <p>Physical Demands</p> <p>Lift/Carry</p> <p>Stand Occasionally</p> <p>10 lbs or less Not Applicable</p> <p>Walk Occasionally</p> <p>11 - 20 lbs Not Applicable</p> <p>Sit Frequently</p> <p>21 - 50 lbs Not Applicable</p> <p>Handling/Fingering Frequently</p> <p>51 - 100 lbs Not Applicable</p> <p>Reach Outward Occasionally</p> <p>Over 100 lbs Not Applicable</p> <p>Reach Above Shoulder Occasionally</p> <p>Push/Pull</p> <p>Climb Not Applicable</p> <p>12 lbs or less Not Applicable</p> <p>Crawl Not Applicable</p> <p>13 - 25 lbs Not Applicable</p> <p>Squat or Kneel Not Applicable</p> <p>26 - 40lbs Not Applicable</p> <p>Bend Not Applicable</p> <p>41 - 100 lbs Not Applicable</p> <p>N (Not Applicable) Activity is not applicable to this occupation.</p> <p>O (Occasionally) Occupation requires this activity up to 33% of the time (0-2.5+ hrs/day)</p> <p>F (Frequently) Occupation requires this activity from 33%-66% of the time (2.5-5.5+ hrs/day)</p> <p>C (Constantly) Occupation requires this activity more than 66% of the time (5.5+ hrs/day)</p> <p>Other Physical Requirements</p> <p>None</p> <p>Westfield Bank has reviewed this job description to ensure that essential functions and basic duties have been included. It is not intended to be construed as an exhaustive list of all functions, responsibilities, skills and abilities. Additional functions and requirements may be assigned by supervisors as deemed appropriate.</p> <p>JOB CODE: 1000753</p>