Credit Manager

Baltimore, MD, United States

CFG Bank Credit Manager Baltimore , Maryland Apply Now CFG Bank, based in Baltimore, Maryland, is a leading financial institution serving the national healthcare and multifamily markets and the Mid-Atlantic region. As the 6th largest bank in Baltimore by deposits and the largest locally based, we've grown from $1 billion to over $5 billion in assets by 2023. With over 30 years of expertise, we rank among the top five healthcare bridge-to-HUD lenders in the country. At CFG Bank, we redefine banking by blending big bank capabilities with personalized boutique service. Recognized as "Best Place to Work" by the Baltimore Business Journal in 2022, 2023, and 2024, our primary goal is making each team member feel choosing CFG Bank was their best career decision. Join us for professional growth and a positive work environment that sets CFG Bank apart.

POSITION SUMMARY :

As a Credit Manager at CFG Bank, you will play a pivotal role in our lending operations by conducting thorough credit analyses for a diverse portfolio including Commercial Real Estate (CRE) lending, Commercial and Industrial (CandI) lending, and select construction lending. Your expertise will be instrumental in assessing the creditworthiness of potential borrowers, ensuring sound risk management practices, and contributing to the bank's growth and profitability objectives. This role requires a keen eye for detail, strong analytical skills, and the ability to make informed credit decisions within established policies and regulatory guidelines.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

Provides guidance to Credit Analyst in establishing daily/weekly goals, set long term goals for the Credit Team members, as appropriate.

Evaluate team skillset and align responsibilities accordingly. Ensure team members are high-performance players whose values are consistent with CFG's.

Foster ongoing training and education through regular coaching and mentoring.

Assigns credit requests to Credit Analysts and manages work flow.

Reviews financial spreads with Credit Analysts with an emphasis on identifying risks

Reviews Loan Presentations with Analysts to ensure all aspects of deal are properly presented and presentation is ready for submission to appropriate approval authority.

Determines the credit risk profile of clients.

Makes recommendation to Committees regarding extensions of credit.

Reviews the work of Portfolio Management to ensure financial covenants, reporting requirements and loan documentation requirements are met.

Review all pertinent credit and financial information, including, but not limited to, financial statements, tax returns, due diligence reports, credit bureaus, appraisals, internal credit information, industry research and peer data.

Works with Chief Lending Officer on deal flow and monitoring of portfolio credit quality standards Spread financial statements or tax returns and prepare financial models designed to sensitize various conditions impacting the proposed transaction.

Analyze financial information and related materials and complete the credit analyses for the Bank's commercial transactions. Analysis to include risk rating of credit and compilation of accurate rationales. Written analyses to include well-supported identification of and description of risks and mitigants of respective deals.

Present analysis or address questions during credit request discussions or committee presentations, as requested.

Participate in the structuring of loan requests, where appropriate, to include suggestions on terms, conditions, controls, collateral and guarantors.

Monitor credit policy compliance by verifying adherence to the Commercial Credit Policy and documenting policy exceptions.

Maintain knowledge of accounting pronouncements and other financial analysis-related topics.

Adhere to applicable compliance/operational risk controls in accordance with Company or regulatory standards and policies.

P omote an environment that supports diversity and reflects the CFG Bank brand and core values.

Maintain CFG internal control standards, including timely implementation of internal and external audit points together with any issues raised by external regulators as applicable.

Complete other related duties as assigned and participate in various Loan Analysis Departmental projects.

QUALIFICATIONS AND REQUIREMENTS:

Bachelor's degree in Accounting, Finance or related field. MBA a plus.

Minimum 10 years' prior experience in credit underwriting, specialty underwriting or other financial analysis role.

Displays understanding of financial regulatory environment as it applies to underwriting most forms of commercial credit transactions.

In-depth knowledge of personal computers and related software programs, including Microsoft Office suite, with excellent Excel and Word skills required. Financial modeling experience preferred.

Exhibits relevant topical knowledge when engaging with peers, relationship managers, and senior management within the organization.

Capable of direct and effective communication with clients and external parties, particularly in addressing complex matters professionally

Maintains up-to-date knowledge of industry trends, accounting, finance, and other pertinent information relevant to frequently underwritten credits and borrowers.

WORK ENVIRONMENT: We offer a hybrid schedule, with 3 days inoffice and 2 days remote after the initial 90-day period.

CFG Bank is an Equal Opportunity Employer. We provide equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other legally protected characteristic. We are committed to ensuring a diverse and inclusive workplace, and all employment decisions are based on merit, qualifications, and business needs. If you require accommodations during the application process, please contact Human Resources.

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