Vice President Risk Management

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Vice President, Risk Management

Type:  Regular, Full-Time, Exempt

Position Summary:
This position is responsible for underwriting, approval, documentation, closing, and portfolio management for the types of commercial loans described below.  This position will support several Commercial Banking Client Managers.

- Loans to businesses with $5 million to $150 million in annual revenues

- Working capital lines of credit with and without borrowing bases

- Secured term loans including owner-occupied real estate

Principal Responsibilities:
- Lead opportunity assessment discussions with Client Managers to determine acceptability of proposed credit transactions

- Assist Client Managers with the development of loan structures and preparation of term sheets

- Review commercial loan opportunities with Senior Risk Officer

- Lead and complete due diligence for commercial loans

- Underwrite and approve commercial loans

- Represent Risk Management in meetings with clients and prospects

- Prepare complete credit authorization memorandums

- Prepare, review, and negotiate commercial loan documents

- Present credit relationships to Management Credit Committee

- Manage new and existing credit relationships including monitoring borrowers' financial condition, loan compliance, and collateral position

- Participate in computer-based, as well as on the job training

- Comply with Bank Secrecy Act, OFAC, and USA PATRIOT Act, including Customer Identification Program, customer due diligence, and identifying high risk accounts, reporting suspicious activities to Supervisor or BSA Department.


- Minimum of Bachelor's degree, preferably in Finance or Accounting
- Completion of a formal bank credit training program is preferred

At least 4 years experience in underwriting commercial loans for companies with $5 million to $150 million in annual revenues

Skills and Knowledge:
- Ability to underwrite and approve commercial loans independently

- Ability to review and negotiate attorney-prepared commercial loan documents independently

- Experience calling independently on commercial banking clients and prospects

- Excellent oral and written communication and presentation skills

- Strong interpersonal and organizational skills and effective time management

- Proficient in use of PC software tools including Excel, PowerPoint, Word, and financial statement spreading tools

To apply for this position, please [Click here].