Credit Division Manager

Leads and manages staff to ensure the proper review and structure of loan proposals that meet the customers' or prospects' needs while conforming to bank and regulatory requirements.

Analyzes pertinent financial and credit data to make a final credit decision (approval or declination) within their signing authority. Recommends to higher level of authority if appropriate.

Interacts with line units, Business Credit Operations (BCO), business partners and vendors to assure the process and communication are done in an efficient manner.

Works in conjunction with BCO to ensure appropriate portfolio management practices are coordinated with underwriters and line relationship managers.

Ensures that Service Level Agreements (SLAs) are met for credit decisions, telephone, and e-mail responses staff.