The position of Credit Manager-Ag ("CMA") is responsible for leading and directing a team of Credit Analysts ("CAs") and Portfolio Managers ("PMs"). The CMA is responsible for managing the department's workflow to ensure the timely and accurate preparation of credit presentations for both new money requests and annual reviews. Determines the advisability of granting credit for diversified types of loans.
The CMA has knowledge of advanced concepts, practices, and procedures within credit and of the various governmental loan programs. Works with CAs, PMs and Loan Officers ("LOs") to ensure the integrity of the agricultural loan portfolio's risk ratings. Relies on experience and judgment to perform a variety of tasks. Works with limited supervision.
1.Provides leadership and direction for a team of Credit Analysts and Portfolio Managers in the Agriculture Banking sector. Effectively manages team performance to consistently achieve established goals.
2.Develop, train and coach new and existing employees. On an annual basis the CMA creates an individualized training program for each employee and an overall departmental training budget.
3.Provides regular and scheduled feedback on job performance of team members. Recommends annual salary increases and promotions of team members.
4.Assures that all duties are performed in accordance with banking compliance regulations, processes, and procedures. Works with other areas in the bank to ensure integrated compliance where necessary.
5.Responsible for administration of the Bank's Underwriting Software program for the AG Credit Department. Manages the creation and updating of Credit Presentations, Action Plans, Workflow, Small Business Credit Scoring and Ticklers in the Bank's Underwriting program.
6.Responsible for completion of stress testing of the AG portfolio on an annual basis. Completes stress test report for Senior Management which summarizes the results of the stress test.
7.Assists CAs, PMs and LOs in developing accurate risk ratings on loan relationships. Continually monitors the bank's Agricultural Loan Portfolio for signs of stress or deterioration and proactively recommends upgrades or downgrades as warranted.
8.Coordinates credit underwriting and annual loan reviews with the Lending Department. Monitors the underwriting pipeline to help ensure the timely completion of new money credit requests. Leads CAs, PMs and LOs to ensure that annual reviews are completed timely in accordance with Loan Policy.
9.Provides guidance to CAs, PMs and LOs on loan structuring (terms), covenants (conditions), and special loan program policy interpretation.
10. Communicates with the appropriate governmental and industry agencies for processing and servicing specialized program loans.
11. Develops knowledge of various industries, economy, market conditions, interest rates, participating banks and competition.
12. Protects the Bank's assets and maintains quality of the loan portfolio by adhering to established lending processes, policies & procedures. Works with other areas of the bank to ensure integrated compliance where necessary. Follows legal and ethical requirements and regulations, audit requirements and established risk management guidelines.
13. Develops knowledge of other governmental guaranty and loan programs including, but not limited to, U.S. Department of Agriculture (USDA / FSA), Wisconsin Housing and Economic Development Authority (WHEDA), and the U.S. Small Business Administration (SBA).
14. Functions as back up for some duties of Chief Credit Officer.
15. May represent the Bank in various community, civic and community reinvestment functions to further enhance the Bank's image.
16. Completes projects as requested by the Chief Credit Officer.
This position performs duties specific to the position and all other duties as assigned.
This position provides leadership and supervision of one or more employees by carrying out supervisory responsibilities in accordance with the Bank's policies, procedures, and applicable laws, ensuring adherence to EEO guidelines. Responsibilities include interviewing, hiring, and training employees; planning, assigning, and directing work; appraising performance; rewarding and disciplining employees; addressing complaints and resolving problems. Demonstrates leadership skills that support ICB's core values.
ENVIRONMENT AND PHYSICAL ACTIVITY
The environment for this position is an open office that is mostly clean and comfortable, and may include driving a Bank or personal-owned vehicle approximately 10-15% of the time which includes exposure to the outside weather elements and moving mechanical parts. It may include some minor annoyances such as noise, odors, drafts, etc. The incumbent is in a non-confined office-type setting in which he or she is free to move about at will.
The incumbent in the course of performing this position spends time writing, typing, speaking, listening, lifting (up to 10 pounds), carrying, seeing (such as close, color and peripheral vision, depth perception and adjusted focus), sitting, pulling, walking, standing, squatting, kneeling and reaching.
The incumbent for this position may operate any or all of the following: telephone, copy and fax machines, adding machine (calculator), typewriter, computer terminal, personal computer and related printers.
The incumbent in this position must be able to accommodate to reading documents or instruments, detailed work, problem solving, customer contact, reasoning, math, language, presentations, verbal and written communication, analytical reasoning, stress, multiple concurrent tasks, and constant interruptions.
These specifications are general guidelines based on the minimum experience normally considered essential to the satisfactory performance of this position. The requirements listed below are representative of the knowledge, skill and/or ability required to perform the position in a satisfactory manner. Individual abilities may result in some deviation from these guidelines.
Bachelor's degree from a four year college or university in Business Administration, Accounting, Finance, or related field.
7-10 years of work-related experience in financial analysis, credit analysis, accounting, business banking, and/or lending.
Experience and knowledge in the Agriculture industry.
Previous supervisory or management responsibilities desired.
Proficiency with various software applications and general office equipment. PC, phone system, general office
Ability to formulate and execute basic to complex mathematical formulas to perform analytical analysis or financial analysis that supports decision making or other action.
Ability to independently assess processes for improvement, evaluate alternatives and form recommendations.
Ability to research, analyze, and extract data and maximize use of related software systems to successfully perform job duties.
Ability to handle multiple tasks simultaneously and meet established deadlines.
Ability to deal with complex problems involving multiple facets and variables in non-standardized situations.
Demonstrates the ability to adapt to change. Understand that change will occur, expect it, effortlessly perform during and after the change using the perspectives, tools, and techniques provided within the organization.
Excellent organizational and time management skills.
Ability to work with minimal supervision while performing duties.
Effective verbal and written communication skills and strong interpersonal skills with ability to develop and maintain relationships internally and externally.
Ability to work with all levels of staff, management, consultants, auditors and board members.
Ability to present financial information as needed in meetings or presentations.
Strong documentation skills required; ability to document rationale, issues, and conclusions of accounting decisions, actions taken, processes, pronouncements, etc. in memos to file or in other written forms.
Ability to represent the bank in a professional and positive manner.
Must handle sensitive information or issues in confidential manner.
Uphold the bank's philosophy and policies by maintaining appropriate controls to assure full compliance with applicable laws and regulations, thereby fulfilling legal responsibilities and enhancing the quality of the bank.
Current Wisconsin driver's license and a vehicle with appropriate insurance coverage if required to drive in the course of performing assigned duties and responsibilities.
The incumbent must be able to perform this position safely, without endangering the health or safety to himself or herself or others.
Management reserves the right to change this position description at any time according to business needs. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability status, or veteran status. Investors Community Bank is an Affirmative Action / Equal Employment Opportunity Employer.
Investors Community Bank