Job Code: HBC 25-36

Job Summary:

The Relationship Credit Manager is responsible for underwriting personal, business and commercial real estate credit facilities. The Relationship Credit Manager will leverage strong knowledge of cash flow, loan structure, collateral issues, due diligence, financial statement spreading techniques, loan portfolio management and interpretation of loan documentation. The Relationship Credit Manager will also prepare credit authorizations for all new and renewed loans, including participation credit facilities. 

Pay Range: Base Compensation is dependent upon role, experience, and skill set: Min- $54,698/yr Max- $91,163/yr

Primary Responsibilities:

• Act as primary underwriter to:
  • Effectively underwrite loan applications, including a complete financial and industry analysis in a concise and timely manner
  • Accurately spread and analyze financial statements of prospective and existing commercial borrowers
  • Analyze financial data to determine credit risks
  • Maintain current client relationships by being responsive to their changing business needs and by renewing and/or amending existing loan commitments
  • Maintain Collateral/Compliance Analyst updated with loan covenant testing and reporting requirements
• Enhance and maintain industry knowledge:
  • Research industries and current market conditions of commercial borrowers as they relate to Bank's potential risk
  • Attend credit training seminars and complete all on-line compliance training sessions during the specified time frame.
• Perform all other duties as assigned

Qualifications:

• Bachelor's degree from a four-year college or university or equivalent work experience
• A demonstrated record of success with 2+ years of underwriting experience including financial statement spreading knowledge
• Proven time management and problem solving skills with the ability to organize, prioritize, and handle multiple tasks and make necessary decisions within a fast paced environment
• Demonstrates initiative and the ability to work in an autonomous manner
• Strong communication and organizational skills with the ability to interact effectively with all levels of management

Compliance Responsibilities:

The employee is responsible for ensuring compliance with all aspects of job related laws and regulations and must maintain current compliance knowledge by attending compliance related training seminars and staff meetings and by reading pertinent compliance related materials. 

Job related laws and regulations include, but are not limited to the following:  Bank Secrecy Act (BSA); Office of Foreign Asset Control (OFAC); Vendor Management; Information and Data Security; and SEC regulations related to corporate governance and disclosure.

Heritage Bank of Commerce is an Equal Opportunity Employer committed to diversity and inclusion. We do not discriminate on the basis of race, color, ethnicity, religion, sex, sexual orientation, gender identity, national origin, marital status, genetic information, disability, Veteran status, or any other characteristic protected by Federal, state or local laws.

JOB CODE: HBC 25-36