Credit Risk Manager

Company: Chickasaw Community Bank
Location: Oklahoma City
Posted on: May 25, 2023

Job Description:

The Credit Risk Manager will be responsible for assessing and managing credit risk across the bank's loan portfolio. The Credit Risk Manager will work closely with senior management, lenders, and other departments to ensure that the bank's credit policies and procedures are being adhered to.ESSENTIAL FUNCTIONSAssist in developing, implement and maintain credit risk policies and procedures for the bankManage a team of Credit Analysts and Credit AdminsAdhere to turnaround time expectations for credit memos, covenant tests, and file reviewsAnalyze credit data and financial statements to evaluate the creditworthiness of potential borrowersEvaluate existing loans and assess the risk of default or delinquencyManage the loan portfolio to ensure it remains within acceptable risk limitsMake recommendations for credit decisions to senior management and loan committeesStay up-to-date on regulatory requirements and ensure that the bank is in compliance with all relevant laws and regulationsWork closely with the lending team to provide guidance and training on credit policies and proceduresMonitor economic and industry trends to assess potential risks to the bank's loan portfolioPerform other duties as assigned by senior management.ADDITIONAL RESPONSIBILITIESPerform other duties as assigned by bank management.PHYSICAL ACTIVITIES REQUIRED TO PERFORM ESSENTIAL FUNCTIONSThis work is sedentary and requires the following physical activities:Sitting for long periods of time; occasional bending, squatting, kneeling, stooping; good finger dexterity and feeling; frequent repetitive motions; talking, hearing, and visual acuity.Frequent lifting (up to 10 pounds of paper supplies or minor office equipment).NOTE: The above statements are intended to describe the general nature and level of work performed by an employee in this position. These statements are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of employees in this position.ENVIRONMENT AND INTERACTIONNormal office environment.Reports To: Chief Risk OfficerPROFICIENCIESGood written and oral communication skills; ability to communicate effectively and project a professional image when giving and taking information in writing, in person and over the phone.Basic word processing and computer database skills.Ability to learn and navigate computer systems and websites necessary to complete job description and other duties as assigned.Effective interpersonal skills with the ability to work with individuals and groups at all organization levels; ability to work independently and as part of a team.Ability to take initiative and prioritize tasks; good time-management, organizational, problem-prevention and problem-solving skills.Knowledge and understanding of banking rules, regulations, laws and all policies and procedures pertaining to them including but not limited to the Bank Secrecy Act.Ability to work accurately with close attention to detail.Ability to maintain confidentiality of sensitive information.Ability to study and apply new information.Ability to learn products, services and procedures quickly and accurately; explain concepts clearly to customers.Ability to establish credibility and rapport, be friendly and personable and look for ways to benefit the customer.Excellent customer contact skills; comfortable asking questions/interviewing customers about their financial situation; strong listening skills.Understand how to present features and benefits of products and services to customers needs.Must be self-motivated, assertive, and perform well in a team environment.Must be organized and maintain a positive demeanor in all situations.EDUCATION AND EXPERIENCEBachelor's degree in finance, accounting, economics or a related field5+ years of experience in a credit risk or supervisory role, preferably at a community bankStrong analytical and critical thinking skillsAbility to communicate complex financial information clearly and conciselyStrong attention to detail and ability to work under pressureExperience with loan underwriting and credit analysisKnowledge of banking regulations and compliance requirementsStrong organizational and project management skills.

Keywords: Chickasaw Community Bank, Oklahoma City , Credit Risk Manager, Executive , Oklahoma City, Oklahoma