The Manager, Credit is responsible for coordinating all commercial loan and deposit activity in accordance with WPCU policies and procedures, while adhering to state and federal regulations.

Manage the day-to-day activities of the Member Business Support Coordinators, Small Business Analysts, Treasury Specialists and Credit Analysts. Ensure assigned business units are operating efficiently and reliably, are in compliance with applicable laws, regulations, and rules, have appropriate operating controls to mitigate risk, and are performing at a high level. (45%)

Review and approve credit analyses and assign risk grades.

Perform analyses on complex credit request.

Provide training and guidance to all departments.

Oversight and management related to Small Business loan applications.

Preview credit requests with Relationship Managers before submission.

Manage ACH exposure.

Analyze and underwrite credits as needed. (10%)

Assist VP, Member Business Services in executing Business Tactics. (10%)

Assist Relationship Managers as needed (10%)

Facilitator between credit analysts and loan officers.

Enforce credit policy.

Discusses loan structure with loan officer to minimize risk.

Prepare and develop various reports as required by management to assist in the overall management of MBS’s. (5%)

Develop written policy documentation. (5%)

Initiate process improvement and quality reviews to simplify and improve productivity. (5%)

Assist Member Business Services VP in satisfying regulatory requirements as provided by state and federal authorities. (5%)

Assist Member Business Services VP in ensuring that WPCU adheres to the policies and procedures approved by our board of directors. (5%)

Ensure member-owners and business prospects receive a consistently superior level of service and attention from the Credit Union.

Makes sound decisions based on credit analysis and judgment.

Consistently resolves routine and complex analysis issues.

Business goals for commercial loan growth and member business accounts are met and often exceeded.

Business goals for timeliness and accuracy in work are consistently met and often exceeded.

Calls to members and potential clients are normally returned the same day received but no later than within 24 hours of receiving the message.

Reports are accurate and prepared on a timely basis, within the first 7 business days of the month.

A high level of personal credibility and respect from business leaders and owners is achieved resulting in Wright-Patt Credit Union being viewed as a trusted financial advisor.

WPCU’s Vision and Mission is effectively communicated to show the Credit Union Difference.

Those partner-employees within the supervisory scope are provided with a positive working environment that adheres to all credit union policies while encouraging individual growth and success.

• Assigned business units operate efficiently, under appropriate operating controls and are compliant with applicable state and federal laws and regulations, and WPCU policies and procedures. All required compliance training is completed in a timely manner.

Create an inclusive environment where all partners can speak openly, feel valued, grow and thrive, while being their best, most authentic selves.

Specialized or Technical Knowledge and Skills: The Manager, Credit possesses the following knowledge and skills:

A Bachelor’s Degree in Finance, Accounting or Business-related field and/or a minimum of 10 years of experience as a credit analyst and/or portfolio manager.

Previous experience leading a team in a project management, supervisory or team leads Capacity. Proven ability to learn complex or sophisticated concepts and apply the appropriately is required.

Understanding the Credit Union movement, the “WPCU difference”, as well as knowledge of WPCU products and services and the ability to understand and effectively communicate these differences is preferred.

Demonstrated ability to learn and utilize the necessary software to complete job functions.

Working knowledge of income statements, balance sheet and other corporate financial documents is required.

Working knowledge of SBA lending programs including SBA 7(a), SBA 504, and SBA Express.

Behavioral Competencies: Behavioral competencies are the skills and personal characteristics that an individual should possess in order to be successful in this position.

Core Competencies: Core competencies are consistent for all positions across the organization and are aligned with WPCU’s core values.

Member Focus (internal and external): Builds member confidence, is committed to increasing member satisfaction, sets achievable member expectations, assumes responsibility for solving member problems, ensures commitments to members are met, solicits opinions and ideas from members, and responds to internal members.

Dependability: Meets commitments, works independently, accepts accountability, handles change, sets personal standards, stays focused under pressure, meets attendance/punctuality requirements.

Integrity/Ethics: Deals with others in a straightforward and honest manner, is accountable for actions, maintains confidentiality, supports company values, conveys good news and bad.

Job Specific Competencies: The position requires a well-rounded and level-headed individual who is able to maintain composure in a variety of situations. The following stand out among a long list of behavioral competencies for this position:

Leadership: Leads through change and adversity, makes the tough call when needed, builds consensus when appropriate, motivates and encourages others.

Managing for Results: Sets challenging and productive goals for team, keeps team accountable for actions, provides leadership and motivation, provides resources and support, uses checkpoints and data to track progress, sets up systems and processes to measure results.

Managing Performance: Applies clear/consistent performance standards, handles performance problems decisively and objectively, is direct but tactful, provides guidance and assistance to improve performance.

People Development: Provides feedback and coaching, rewards hard work and risk taking, takes mentoring role, challenges and develops employees, accepts mistakes, provides visibility/opportunity.

Job Knowledge: Understands duties and responsibilities, has necessary job knowledge, has necessary technical skills, understands company mission/values, keeps job knowledge current, is in command of critical issues.

• Physical Demands: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee is frequently required to stand; walk; sit and talk or hear. The employee must occasionally lift and/or move up to 10 pounds.
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• Work Environment: The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  The worker is not substantially exposed to adverse environmental conditions. The noise level in the work environment is usually moderate.