National Credit Manager

Job description

Position Overview: The National Credit Manager - Business Loan will lead the credit management function for business loans within the organization. This senior leadership role requires an expert with an in-depth understanding of credit risk, lending processes, regulatory compliance, and the ability to drive business performance. The ideal candidate will oversee the entire credit process, from policy development and underwriting to portfolio management, while also managing a high-performing team in alignment with organizational goals.

Key Responsibilities:

 Credit Policy Development & Implementation: Develop, implement, and continually refine credit policies and procedures, ensuring alignment with both regulatory standards and company goals. These policies must balance effective credit risk management with the company’s lending objectives.

 Credit Underwriting Management: Oversee the end-to-end credit underwriting process, ensuring accurate evaluation of loan applications, credit scoring, and loan decision-making. Responsible for managing the approval or rejection process based on sound judgment and data-driven analysis.

 Portfolio Monitoring & Risk Mitigation: Continuously monitor and analyze the performance of the credit portfolio to identify potential risks and opportunities for improvement. Implement strategies for risk reduction and portfolio optimization, aiming to maintain a high-quality loan portfolio.

 Compliance & Audits: Regularly conduct internal reviews and audits of credit operations, ensuring full compliance with local, state, and national regulatory requirements. Stay informed about evolving lending regulations to ensure ongoing compliance.

 Team Leadership & Development: Lead, mentor, and develop the credit team, ensuring they are motivated and aligned with the organization’s values. Foster a culture of professionalism, accountability, and continuous learning, empowering team members to achieve their best performance.

 Recruitment & Talent Development:

Oversee the recruitment of new team members, ensuring the credit department is staffed

with talented individuals who can meet the company’s business objectives. Provide

training and development opportunities to help staff advance in their careers.

 Performance Management:

Set clear, measurable KPIs and performance targets for the credit team. Provide regular

feedback, coaching, and assessments to ensure continuous improvement and goal

achievement.

 Budget & Resource Management:

Manage the department’s budget, ensuring efficient allocation of resources and effective

cost control measures. Optimize departmental operations for maximum efficiency