Commercial Lending Credit Manager @ Lead Bank

Lead is a fintech building banking infrastructure for embedded financial products and services. We operate an FDIC-insured bank headquartered in Kansas City, Missouri. Additionally, we have offices in San Francisco, Sunnyvale, and New York City, where our technical, product, design, and legal teams operate.

We are built for a constantly evolving financial landscape, where new ventures and technological advancements emerge daily. Guided by a team of entrepreneurs and technologists with decades of experience navigating intricate banking and payments regulations, Lead blends regulatory and technological expertise to help our fintech partners scale their operations with compliance and creativity.

Simply put, Lead offers the essential attributes that every fintech seeks in a partner bank. First, unparalleled technical expertise from a distinguished team of developers with an extensive understanding of the banking and payments systems. Second, oversight expertise, automated compliance systems, and bespoke program management to navigate the ever-shifting regulatory landscape. Finally, a commitment to transparency and operational rigor to ensure everyone’s money does what it’s supposed to do.

As a Community Bank, we provide personalized banking services and solutions to support the businesses, individuals, and charitable organizations of the Kansas City Metropolitan Area, both in branch and online. We are committed to fostering strong relationships, supporting local economic growth, and we believe in the power of being an integral part of the community we serve.

Role Description: The Commercial Lending Credit Manager will oversee the team of credit analysts for Lead’s community bank commercial lending portfolio. This role includes preparing and reviewing credit analyses and credit presentations for current and prospective commercial loans, developing and assessing credit rating models and loan portfolio reporting, and training and supervising a team of credit analysts.

In this role you will:

Manage the credit analysis / underwriting function, including the supervision of credit analysts who spread financials and assess current and prospective borrowers’ credit worthiness / risk
Oversee the preparation of credit analysis, annual loan/borrower reviews and credit presentations to the Chief Lending Officer and Loan Committee, including recommending updates and enhancements to the bank’s analysis templates, rating methodologies, and software tools
Develop and review reports to manage and monitor the performance and growth of the community bank loan portfolio for presentation to lenders, Loan Committee, the Board of Directors, and regulators
Review and update policies and procedures related to credit underwriting, risk ratings, and loan portfolio reporting
Manage and develop a team of analysts as a proactive ‘player-coach’, including workflow assignments, ongoing professional training, and performance appraisals
Perform all other duties as assigned

Qualifications:

A minimum of 5 years experience managing teams of analysts
A minimum of 8 years experience in credit analysis, commercial lending, credit risk assessment and/or financial analysis, preferably at a financial institution
Strong analytical and problem-solving skills, with the ability to synthesize and communicate complex financial situations
Excellent communication and organizational skills, and the proven ability to manage projects, work collaboratively across functions, and manage multiple time-sensitive projects simultaneously
Willingness to take on new challenges in a fast-paced environment
Self starter, engaged, proactive and ready to roll up your sleeves

What we offer:

At Lead, we design our benefits to support company culture and principles, to foster an efficient and inspiring work environment, and to create the conditions for our team to give their best in both work and life
Competitive compensation based on experience, geographic location, and role
Medical, Dental, Vision, Life, 401k Matching, and other wellness benefits, including FSA, HSA and HRA
Paid parental leave
Flexible vacation policy, including PTO and paid holidays
A fun and challenging team environment in a dynamic industry with ample opportunities for career growth

*Lead Bank is proud to have an inclusive culture committed to ensuring equal employment opportunity in all employment decisions regardless of race, color, gender, national origin, religion, age, disability, sexual orientation, gender identity, military status, veteran status or any other legally protected status.

*Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Commercial Lending Credit Manager

Lead Bank

In this role you will:

Qualifications:

What we offer:

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