*** The internal title for this position is Commercial Credit Team Leader. This position has supervisory responsibilities.PRIMARY RESPONSIBILITIES:The Commercial Credit Team Leader (CCTL) is primarily responsible for underwriting moderate to highly complex commercial loan requests and assigning loan requests to team members while staying involved in a mentoring capacity to ensure that loan requests are properly assessing risk and assessing ways to mitigate these risks.ESSENTIAL FUNCTIONS:Manage the pipeline of new loan requests and annual reviews.Underwrite and create credit memo for moderate to highly complex commercial loan requests.Interact with the RM's during the underwriting process.Have a strong understanding of the nCino system including assigning deals to analysts and familiarity with Product Packages, Review Records and Households.Responsible for daily supervision/oversight and ongoing developmental objectives of the Credit Analysis Team including:Assigning loan requests and monitoring the work of the analyst team ensuring timely review of existing relationships.Train and motivate employees ensuring employee engagement and continuous improvement.Monitor and evaluate performance of Credit Analysts, holding employees accountable for goals and objectives.Review the underwriting credit memo prepared by the credit analysts to ensure adherence to all policy guidelines and to ensure total data/document integrity.Develop and implement new procedures and improvements to the credit process.Timely completion of annual performance reviews for the credit analysts.Maintain an in-depth knowledge of loan products, services, GRB's Loan Policies and procedures to ensure legal and regulatory compliance and sound credit underwriting along with proper and timely customer service.Prepare the credit package for submission to Loan Committee.Active participation in demonstrating the behaviors outlined in the GRB Experience.Ensure Credit Analysts meets expectations in performance, productivity and quality standards.Keep up to date with compliance regulations and economic conditions as they relate to commercial loans.EDUCATION AND EXPERIENCE:Bachelor's Degree in Accounting, Finance or related field and a minimum of 6 years credit underwriting experience and a minimum of 2 years supervisory experience, or the equivalent combination of education and experience.COMPETENCIES:Must be fluent in analyzing corporate financial statements and tax returns; personal financial statements and tax returns; internally prepared financial information; and other financial information as provided.Provide a remarkable client experience. Greet clients with warmth, genuine interest and a smile.Hold self and others accountable for measurable, quality and timely results.Is adaptive and receptive to change; removes barriers for staff.Builds & maintains effective relationships at all levels both inside and outside of the Bank.Facilitates cooperation and motivates team members to accomplish group goals.Nurtures growth and is committed to ongoing training and development of staff.Lives the GRB Experience brand for others to emulate; influences and communicates effectively.Demonstrates personal growth and learning.Demonstrated PC literacy, including Excel, Word and Power Point.Detail-oriented and exceptional analytical ability.Ability to handle confidential information with tact and discretion.Ability to handle multiple tasks with competing deadlines in a fast-paced environment.Excellent decision-making skills, demonstrating a high level of judgment and diplomacy.Working knowledge of Banking Policies and Procedures.WORK ENVIRONMENT:The work environment is indoor and climate controlled. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.Genesee Regional Bank is an equal opportunity organization. We recruit, employ, train, compensate, and promote without regard to race, religion, creed, color, national origin, age, gender, sexual orientation, gender identity, marital status, disability, veteran status, or any other basis protected by applicable federal, state or local law.THIS JOB DESCRIPTION IS SUBJECT TO CHANGE AT ANY TIME.
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