credit manager

Lendo

<div><p>As Lendo continues to expand, we are looking for a Senior Credit Manager to support the growth of our lending portfolio through hands-on credit assessment, strong risk management, and day-to-day leadership of the credit function.</p><p></p><p>
This is a highly hands-on role, ideal for someone who enjoys being close to the detail, making credit decisions, and working closely with the team to ensure high-quality and efficient underwriting.</p><p><b><br>
Key Responsibilities:</b></p><ul><li>
Evaluate the creditworthiness of potential customers by analysing financial statements, cash flow, credit history, and key risk indicators</li><li>
Review borrower applications end-to-end, providing clear recommendations on approvals, declines, and deal structuring aligned with Lendo&rsquo;s risk appetite</li><li>
Lead and support the credit team on day-to-day operations, including task delegation, prioritisation, and ensuring timely turnaround of credit decisions</li><li>
Ensure all lending activities comply with SAMA regulations and internal credit policies, maintaining strong governance standards</li><li>
Monitor portfolio performance, including repayments, arrears, and bad debts, proactively identifying risks and implementing mitigation actions</li><li>
Own and continuously improve credit policies and underwriting processes in line with business needs and market conditions</li><li>
Create and maintain product specifications and credit procedure documentation to support consistency and scalability</li><li>
Work closely with Product, Data, and Tech teams to enhance underwriting processes, automation, and decision-making capabilities</li></ul><p></p><p><b>
Qualifications:</b></p><ul><li>
6&ndash;10+ years of experience in credit risk / underwriting, ideally within SME lending or fintech</li><li>
Proven experience working within a SAMA-regulated environment</li><li>
Strong hands-on credit assessment experience with solid financial analysis capability</li><li>
Previous experience leading or mentoring a team</li><li>
Strong understanding of credit policies, underwriting processes, and portfolio monitoring</li><li>
Detail-oriented with a high level of ownership and accountability</li><li>
Comfortable operating in a fast-paced, high-growth environment</li><li>
Strong communication and stakeholder management skills</li></ul></div>

Senior Credit Manager

Ewaa Hotels

<p>Job Summary</p><p>We are seeking an experienced Credit Manager with a proven background in the hospitality sector to lead and manage the hotel&rsquo;s credit and accounts receivable function. The role is responsible for establishing and implementing effective credit policies and procedures, ensuring efficient collection processes, minimizing financial risk, and maintaining healthy cash flow while supporting the hotel&rsquo;s commercial operations.</p><p>Key Responsibilities</p><p>Develop and implement credit policies and procedures in line with best practices in the hospitality industry.</p><p>Establish and manage a structured credit system including credit evaluation, credit limits, and payment terms for clients and corporate accounts.</p><p>Review and approve credit applications for corporate clients, travel agencies, and contracted companies.</p><p>Monitor accounts receivable and ensure timely collection of outstanding balances.</p><p>Analyze aging reports and follow up on overdue accounts while taking appropriate action when necessary.</p><p>Coordinate closely with Sales, Reservations, and Finance departments to ensure proper implementation of credit policies.</p><p>Manage relationships with corporate clients and resolve billing or payment disputes when required.</p><p>Supervise and guide the credit and collections team to ensure efficient operations.</p><p>Prepare regular reports on credit status, receivables, and collection performance for management review.</p><p>Qualifications &amp; Requirements</p><p>Bachelor&rsquo;s degree in Accounting, Finance, or Business Administration.</p><p>Minimum 5 years of experience in Credit Management or Accounts Receivable within the hotel industry.</p><p>Previous work experience in hotels within Saudi Arabia is mandatory.</p><p>Strong understanding of hotel financial systems and Property Management Systems (PMS).</p><p>Excellent analytical, negotiation, and communication skills.</p><p>Ability to work in a fast-paced hospitality environment and manage multiple priorities effectively.</p><p>Job Type: Full-time</p><p>Application Question(s):</p><ul><li>What is your current salary?</li></ul><ul><li>What is your expected salary?</li></ul><ul><li>How many years have you worked as a credit manager?</li><li>What is the notification period for joining?</li><li>Are you located inside Saudi Arabia?</li></ul><p>Experience:</p><ul><li>Hotels: 5 years (Required)</li></ul><p>Work Location: In person</p>

Credit Manager – Hotels Sector

University of Virginia Community Credit Union

<div>Description: <b>University of Virginia Community Credit Union</b><p>
At UVA Community Credit Union, we are dedicated to making a meaningful difference in the lives of our members and the communities we serve. Our mission, working together to strengthen the financial wellness of our members and local communities, guides everything we do. We foster an environment where every team member plays a vital role in building the financial wellness of those we serve. Our core values are Integrity, Service Excellence, Collaboration, and Gratitude. These values shape how we support our members, interact with one another, and drive the success of our shared purpose. If you&rsquo;re passionate about making a positive impact and want to be part of a purpose-driven organization, we invite you to explore a career with us.</p><p><b>
Member Credit Solutions Manager (Collections) - Charlottesville, VA</b></p><p><b>
SUMMARY:</b></p><p>
The Member Credit Solutions Manager will ensure that we are incorporating and maintaining best in class practices in order to achieve the Credit Union&rsquo;s mission of assisting our members in strengthening their financial wellness. Additionally, the Member Credit Solutions Manager helps preserve credit union assets through the mitigation control of delinquent accounts (secured and unsecured), collecting and managing delinquent loan payments, negative share deposits, counseling with members, and/or recovering collateral or funds. The overall activity in the role is to support the reduction in the credit union's products and services delinquency and loan losses, improving financial recoveries through negotiation and collection activity best practices, while approaching these interactions with a mission-centric approach.</p><p>
The candidate should bring experience in key collections disciplines, including bankruptcy, charge-off management, auto repossession processes, real estate and mortgage collections, and loss mitigation. A working understanding of the legal system as it relates to collections is preferred.</p><p>
We are looking for someone who values member education and understands the importance of addressing the root cause of financial hardship, not simply the immediate issue. The right person will lead with integrity, value teamwork and collaboration, and be comfortable making sound, timely decisions in the best interest of both the member and the credit union.</p><p>
This person should also be able to lead effectively through change, adapt well in a changing environment, and be comfortable using technology to support the work, though deep technical expertise is not required.</p><p>
The ideal candidate will have prior credit union experience and a strong understanding of a member-focused collections philosophy. This role requires an individual who recognizes that financial wellness is central to the collections process and who can approach member delinquency with a mindset of education, support, and long-term resolution rather than a traditional collections-only approach.</p><p>
A successful candidate will:</p><ul><li>
Demonstrate a strong commitment to financial wellness and member-centered problem solving</li><li>
Understand the importance of addressing the root cause of a member&rsquo;s financial challenges, not just the immediate delinquency</li><li>
Operate with a high degree of integrity, sound judgment, and professionalism</li><li>
Value teamwork, collaboration, and partnership across departments</li><li>
Be comfortable making critical decisions in the best interest of both the member and the credit union</li><li>
Lead effectively through change and support teams during periods of transition</li><li>
Be comfortable using technology and systems to support operational effectiveness, while not requiring deep technical expertise</li></ul><p><b>
DUTIES AND RESPONSIBILITIES:</b></p><ul><li>
Oversee day to day operations of the Member Credit Solutions team, providing coaching and a focus on development, ensuring the team has the needed support to carry out the mission of the Credit Union.</li><li>
Promote the financial education and financial wellness of our members throughout the collections process</li><li>
Contact Credit Union members who have delinquent accounts by phone and mail and take appropriate action to bring the account current. Ideally this involves collaboration with the member to help bring them current and avoid further collections activities for the wellbeing of both the member and the Credit Union. This position will serve as a level of escalation for the rest of the team.</li><li>
Analyze the financial situation of delinquent borrowers and, when other attempts to bring the loan current are unsuccessful, assist the Credit Union with preparing for foreclosure, repossession, or other activities.</li><li>
Assist where needed with the Credit Union&rsquo;s arrangements for collateral repossession, redemption, consignment, and liquidation, and the charge off of loans.</li><li>
Represent the Credit Union as needed at legal proceedings.</li></ul>
Requirements:
<p><b>
Qualifications:</b></p><ul><li>
Four to six years of collections and supervisory experience in a similar or related position is required</li><li>
Previous experience working within a call-center environment, working with 1st and 2nd residential mortgage loans, and handing E-Oscar disputes is preferred</li><li>
Experience promoting and supporting the financial wellness and financial education of members</li><li>
Previous experience in bankruptcy administration and case management, charge-off management and recovery strategies, the auto repossession process, real estate and mortgage collections, and loss mitigation practices.</li><li>
A strong working knowledge of the legal and regulatory environment related to collections is preferred.</li><li>
High School Diploma or GED required, an associate&rsquo;s degree is preferred</li><li>
Excellent oral and written communication skills, including the ability to influence and/or sell ideas or services to others</li><li>
Strong critical thinking and analytical skills</li><li>
Thrives in and maintains composure in a fast-paced environment</li></ul><p><b>
BENEFITS:</b></p><p>
We offer an attractive suite of benefits to employees who work an average of 20 hours per week or more, including: Health, Dental, Vision, up to a 7% employer 401(k) contribution after the first year of employment. Employees are eligible for Life Insurance, Long-Term Disability, Health &amp; Wellness Spending Account, Tuition Reimbursement, and Employee Loan Discounts. Employees accrue Paid Time Off starting with 18 days accrual at full time annually, and 13 company paid holidays. Employees are also eligible for Family Forming Leave, and Volunteer Time Off.</p><p>
Equal Employment Opportunity has been, and will continue to be, a fundamental principle at the University of Virginia Community Credit Union, where employment is based upon personal capabilities and qualifications without regard to race, color, gender, gender identity, religion, sexual orientation, pregnancy, childbirth, or a medical condition related to pregnancy or childbirth, national origin, citizenship, disability, age, genetic information, marital status, amnesty or status as a covered veteran in accordance with applicable federal, state, and local laws.</p></div>

Member Credit Solutions Manager (Collections)

U.S. Bank

<p></p><div><p>At U.S. Bank, we&rsquo;re on a journey to do our best. Helping the customers and businesses we serve to make better and smarter financial decisions and enabling the communities we support to grow and succeed. We believe it takes all of us to bring our shared ambition to life, and each person is unique in their potential. A career with U.S. Bank gives you a wide, ever-growing range of opportunities to discover what makes you thrive at every stage of your career. Try new things, learn new skills and discover what you excel at&mdash;all from Day One.</p><p></p><h2 class="jobSectionHeader"><b>
Job Description</b></h2><div>
Partners with assigned Relationship Manager(s) to successfully manage ICG Healthcare credit account relationships. These accounts are across the for-profit Healthcare industry, including physician practices, for-profit hospitals, medical device, pharmaceutical, life sciences, healthcare technology, health insurance, and other healthcare related companies. Grows revenue as directed by senior management by successfully closing new business relationships and retaining and expanding relationships with existing customers. Responsibilities include: underwriting all types of credit account exposure, managing an assigned credit portfolio, successfully closing new business relationships and expanding existing relationships, managing credit risk and responding to prospect or customer credit questions and making independent calls on assigned portfolio of relationships. Secondarily, provides customer service, participates in joint sales calls with Relationship Manager(s) and identifies customer needs.</div><div>
Basic Qualifications<br>
<ul><li>Master's degree, or equivalent work experience</li><li>10 or more years of commercial banking experience</li></ul><br>
Preferred Skills/Experience<br>
<ul><li>Extensive knowledge of commercial lending policy, all applicable laws and regulations, credit quality standards, company and business line policies and procedures</li><li>Strong relationship management and business development abilities, with thorough knowledge of credit products</li><li>Strong analytical and problem-solving skills</li><li>Ability to work effectively with individuals and groups across the company to manage customer relationships</li><li>Well-developed written communication and verbal presentation skills</li></ul></div><p></p><p>
If there&rsquo;s anything we can do to accommodate a disability during any portion of the application or hiring process, please refer to our disability accommodations for applicants.
</p><p></p><p><b>Benefits:</b></p><p>
Our approach to benefits and total rewards considers our team members&rsquo; whole selves and what may be needed to thrive in and outside work. That's why our benefits are designed to help you and your family boost your health, protect your financial security and give you peace of mind. Our benefits include the following:</p><ul><li><p>
Healthcare (medical, dental, vision)</p></li><li><p>
Basic term and optional term life insurance</p></li><li><p>
Short-term and long-term disability</p></li><li><p>
Pregnancy disability and parental leave</p></li><li><p>
401(k) and employer-funded retirement plan</p></li><li><p>
Paid vacation (from two to five weeks depending on salary grade and tenure)</p></li><li><p>
Up to 11 paid holiday opportunities</p></li><li><p>
Adoption assistance</p></li><li><p>
Sick and Safe Leave accruals of one hour for every 30 worked, up to 80 hours per calendar year unless otherwise provided by law</p></li></ul><p></p><p>
Review our full benefits available by employment status here.
</p><p></p><p>U.S. Bank is an equal opportunity employer. We consider all qualified applicants without regard to race, religion, color, sex, national origin, age, sexual orientation, gender identity, disability or veteran status, and other factors protected under applicable law.</p><p></p><p><b>
E-Verify</b></p><p>
U.S. Bank participates in the U.S. Department of Homeland Security E-Verify program in all facilities located in the United States and certain U.S. territories. The E-Verify program is an Internet-based employment eligibility verification system operated by the U.S. Citizenship and Immigration Services.</p><p></p>
The salary range reflects figures based on the primary location, which is listed first. The actual range for the role may differ based on the location of the role. In addition to salary, U.S. Bank offers a comprehensive benefits package, including incentive and recognition programs, equity stock purchase 401(k) contribution and pension (all benefits are subject to eligibility requirements). Pay Range: $148,495.00 - $174,700.00<p></p><p>
U.S. Bank will consider qualified applicants with arrest or conviction records for employment. U.S. Bank conducts background checks consistent with applicable local laws, including the Los Angeles County Fair Chance Ordinance and the California Fair Chance Act as well as the San Francisco Fair Chance Ordinance. U.S. Bank is subject to, and conducts background checks consistent with the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA). In addition, certain positions may also be subject to the requirements of FINRA, NMLS registration, Reg Z, Reg G, OFAC, the NFA, the FCPA, the Bank Secrecy Act, the SAFE Act, and/or federal guidelines applicable to an agreement, such as those related to ethics, safety, or operational procedures.</p><p></p><p>
Applicants must be able to comply with U.S. Bank policies and procedures including the Code of Ethics and Business Conduct and related workplace conduct and safety policies.</p><p></p><p><b>
Posting may be closed earlier due to high volume of applicants.</b></p></div>

Credit Portfolio Manager, For-Profit Healthcare, Institutional Client Group

bankfab

<div><div>Job Description</div>
<div>
<p><b>Job Purpose:
</b></p><p>Conduct detailed credit assessment and preparation of credit appraisal memos seeking approval for financing against residential and commercial real estate. The key purpose is to determine whether the borrower is eligible for financing and the requested credit facility is in line with the bank&rsquo;s risk appetite and Target Market Risk Acceptance Criteria (TM-RAC).
</p><p><b>Key Accountabilities:
</b></p><ul><li>Review, analyse &amp; assess loan proposals keeping in mind the approved credit policies, procedures and market dynamics to produce high quality of credit assessment memos for underwriting purposes.
</li><li>Approve credit requests in line with any delegated credit authority, where allowed.
</li><li>Manage the allocated portfolio of clients in terms of timely annual reviews, monitoring delinquencies, early warnings, adherence to covenants, documentary deferrals etc and actively engage with the respective business counterparts on regular basis to address any credit related issues for the allocated portfolio.
</li><li>Given the High Networth and sensitive nature of the clientele, actively engage with the senior business counterparts (Area Managers/Executive Directors etc) to ensure that the proposed facility is adequately structured to meet the clients&rsquo; expectations within the bank&rsquo;s underwriting standards.
</li><li>Accompany the business counterparts to client meetings and to develop better understanding of the client and the proposed credit facility.
</li><li>Adhere to &amp; comply with departmental policies, standard operating procedures and practices so that the work is carried out in a smooth &amp; methodical manner.
</li><li>Exhibit consistency with organization&rsquo;s values and ethics at all times to demonstrate a value driven culture within the bank.
</li><li>Contribute towards continuous improvement and sustainability of policies, systems, process and methods in line with changing needs and requirements so as to efficiently carry out the duties.
</li><li>Have in-depth understanding of regulatory and internal bank policies.
</li><li>Exhibits good communication &amp; writing skills when preparing &amp; submitting credit proposals to approving authorities within the Bank.
</li><li>Guide and train a small team of credit analysts for credit underwriting.
</li></ul><p><b>Job Context:
</b></p><ul><li><p>Analyse Client&rsquo;s audited financial statements/bank statements/Rental Roll Reports/ Collateral Details etc, look into client&rsquo;s credit history/credit reports/ system checks to meet bank&rsquo;s lending standards.
</p></li><li><p>In depth analysis of borrower&rsquo;s financial ratios like profitability, solvency, cashflow, debt service coverage ratios etc in order to ensure error free underwriting and ensuring that the borrower has sufficient repayment capacity to repay the proposed loan facilities.
</p></li><li><p>Review &amp; analyse re-structuring requests from the existing loan customers and recommend in line with the bank&rsquo;s policy/TM-RAC.
</p></li><li><p>To work out the credit risk rating and check RAROC of the customer as per the bank&rsquo;s portals.
</p></li><li><p>Ensure completeness &amp; accuracy of documentation submitted with the credit request in order to avoid fraud and/or delinquency in the future.
</p></li><li><p>To review the excess rental release request of the clients after reviewing the rental register and rental collection account.
</p></li><li><p>To work in co-ordination with other stakeholders such as Credit Administration, Collections, Operations etc and take up with business in case of non-compliance of terms and conditions.
</p></li><li><p>Review/Approve deferral or waiver requests given by the existing customers and recommend the same keeping in mind the credit risk involved.
</p></li><li><p>Approve and/or process the loan applications and service requests efficiently and within the agreed SLAs.
</p></li><li><p>Ensure completion and maintenance of the required departmental MIS as required on ongoing basis.
</p></li><li><p>Ensure that all the approved loans and proposal related documents are complete and stored in the common folder/system to safeguard any missing or misplaced documents.
</p></li><li><p>To be able to work in pressure conditions without compromising on the credit underwriting quality.
</p></li><li><p>To perform any additional Job-Related tasks/projects as and when assigned by Line Manager.<br>
</p></li></ul><p></p><p><b>Qualifications &amp; Experience:
</b></p><p><b>Qualification:
</b></p><ul><li><p>Minimum Education required: Minimum Bachelor&rsquo;s degree preferably in Finance/Banking/ Commerce.
</p></li></ul><p><b>Experience:
</b></p><ul><li><p>Minimum 10 years in Credit and/or Banking experience.</p></li></ul></div></div><p></p>
<br><div><div>Responsibilities</div></div><div></div>
<br><div><div>Qualifications</div></div><div></div>
<br><div><div>About Us</div>
<div><div><b>About Us:<br>
</b></div><div></div><br>
<div>First Abu Dhabi Bank (FAB) is the largest bank in the UAE and one of the world's largest and safest financial institutions. We offer a comprehensive range of personal and private banking services, including credit cards, Islamic banking, investments, loans, and mortgages. Our commitment to excellence and innovation drives us to provide top-tier financial solutions to our clients.<br>
</div><div></div><br>
<div><b>Life at FAB:<br>
</b></div><div></div><br>
<div>Working at FAB means being part of a team of talented and passionate individuals with a shared vision to support the ambitions of our stakeholders to &quot;Grow Stronger.&quot; We embrace the needs of our customers across the globe with a sense of responsibility and confidence driven by extensive expertise that can only be delivered by an ambitious world-class organization<br>
</div><div></div><br>
<div><b>Career Development:<br>
</b></div><div></div><br>
<div>FAB offers unique career choices, a chance to innovate, craft solutions for the future, and express yourself in a performance-based culture that will unleash the best in you. Whether you are an experienced professional or just starting your career, FAB provides a range of learning and development initiatives to support all employees through training and skill development.<br>
</div><div></div><br>
<div><b>Our Values:<br>
</b></div><div></div><br>
<div>At FAB, we place our customers at the core of our activities, live our values each day in every way, celebrate achievements, and empower each other to deliver leading solutions. We have structured plans for the recruitment and career progression of Emirati talent to enable them to make a mark in the financial and banking sector both regionally and globaly that rewards your hard work and dedication.<br>
</div><div></div><br>
<div>Join our team and be part of a journey to shape the future of banking.</div></div></div><div></div>

AVP & Lead, Credit Management

Odeabank

<div>
 <p>
  <strong>
   We are looking for an Odealist to create value together!
  </strong>
 </p>
 <p>
  We work in a world where new ideas, bold steps, and learning happen every day. At Odeabank, we measure success not only by results but also by
  <strong>
   learning, growing, and creating value.
  </strong>
 </p>
 <p>
  <br/>
 </p>
 <p>
  We work in a culture that is collaborative, innovative, and open to different perspectives. Everd day, we move forward together for a better experience and a stronger future.
 </p>
 <p>
  <br/>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   What Can You Expect?
  </strong>
 </p>
 <ul>
  <li>
   <strong>
    A culture that supports your development:
   </strong>
   Training, mentoring, and continuous learning opportunities
  </li>
  <li>
   <strong>
    Working model:
   </strong>
   A hybrid environment that offers both productivity and balance
  </li>
  <li>
   <strong>
    Inclusive team structure:
   </strong>
   An organizational culture shaped by openness, respect, authenticity, and enthusiasm
  </li>
  <li>
   <strong>
    Sustainable vision:
   </strong>
   Commitment to gender equality, diversity, and sustainability
  </li>
  <li>
   <strong>
    Supportive leadership:
   </strong>
   Managers who value your ideas and encourage sharing
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   About the Role
  </strong>
 </p>
 <ul>
  <li>
   Developing underwriting strategies for commercial lending,
  </li>
  <li>
   Defining rules, principles and methodologies for underwriting processes,
  </li>
  <li>
   Designing decision support systems and aligning strategies across all channels and products through credit processes,
  </li>
  <li>
   Monitoring the credit portfolio and analyzing rule sets based on Delinquency and NPL performance to maintain optimal decision strategies,
  </li>
  <li>
   Monitor and evaluate the quality of the credit portfolio,
  </li>
  <li>
   Ensure compliance with bank policies, regulations, and risk criteria.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   General Qualifications:
  </strong>
 </p>
 <ul>
  <li>
   Bachelor's degree in relevant fields (Economics, Business, Finance, Banking, etc.),
  </li>
  <li>
   5+ years work experience in Commercial Credit Underwriting Decision Support Systems or Commercial Credit Analytics,
  </li>
  <li>
   Strong command of Microsoft Office tools, SQL and PowerCurve Strategy Management (PCSM); preferably experienced with Python,
  </li>
  <li>
   Excellent written and spoken English skills,
  </li>
  <li>
   Strong analytical thinking and a collaborative, team-oriented mindset,
  </li>
  <li>
   Excellent communication and presentation skills, with the ability to clearly articulate complex ideas to both technical and non-technical audiences; experienced in building and delivering impactful presentations using ThinkCell and other data visualization tools,
  </li>
  <li>
   Ability to translate data-driven insights into compelling business narratives that support strategic decision-making,
  </li>
  <li>
   A proactive, detail-oriented approach with the right attitude and competence to fulfill the job function effectively,
  </li>
  <li>
   Continues to learn while sharing their experience,
  </li>
  <li>
   Follows innovations and adapts quickly to change.
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Benefits:
  </strong>
 </p>
 <ul>
  <li>
   Private Mixed Health Insurance for you and (if applicable) your spouse and children
  </li>
  <li>
   Corporate Life Insurance
  </li>
  <li>
   Remote Work Support
  </li>
  <li>
   Meal Allowance
  </li>
  <li>
   Birthday Leave
  </li>
  <li>
   Shuttle Service for Head Office Employees- (Transportation Allowance for Branch Employees)
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   Why Odeabank?
  </strong>
 </p>
 <ul>
  <li>
   Innovative business model focused on investment and technology
  </li>
  <li>
   Odealist teams shaping not only today but also the future
  </li>
  <li>
   Corporate discount agreements with O'Deal
  </li>
  <li>
   Social events, clubs, and employee communities
  </li>
  <li>
   Special occasion celebrations
  </li>
  <li>
   Recognition and reward mechanisms that regularly highlight achievements
  </li>
  <li>
   Well-being seminars
  </li>
 </ul>
 <p>
  <br/>
 </p>
 <p>
  <strong>
   If you want to grow in an Odealist culture
  </strong>
  , complete your application now and join us on our journey! 💫
 </p>
 <p>
  <br/>
 </p>
 <p>
  <em>
   *The hiring process at Odeabank includes Human Resources Assessment, relevant manager interviews, and competency-based evaluations.
  </em>
 </p>
 <p>
  <em>
   The offer process begins for candidates who successfully complete all stages.
  </em>
 </p>
 <p>
  <br/>
 </p>
 <p>
  <em>
   **Under the Personal Data Protection Law No. 6698, your personal data is processed solely for recruitment purposes during the application process.
  </em>
 </p>
 <p>
  <em>
   Detailed information can be found at
   <u>
    Odeabank Personal Data Protection Disclosure Text.
   </u>
  </em>
 </p>
</div>


Micro Credit Underwriting-Decision Support Systems Assistant Manager

City National Bank

<div>Overview:
<div><b>PORTFOLIO MANAGER I</b></div><div></div><div><b><br>
WHAT IS THE OPPORTUNITY?</b></div><div>
The Portfolio Manager is part of the credit management team focused on the long-term risk-adjusted returns for the bank within the assigned business segment and/or geographic area(s). This individual manages a sub-set of existing credits and is a key partner in the origination of new credits. Primary responsibilities include:</div><div><ul><li>
Provide comprehensive credit recommendations and presentations to key risk partners related to prospect(s) and existing clients of the bank (including moderate to complex new credit structures, modifications, and extensions) based on a comprehensive review of the borrower(s) and guarantor(s)' financials (which may include current and historical financial statements, tax returns, projections and/or cash flow proformas.)
</li><li>This individual is expected to present credit recommendations within the bank's risk appetite and framework and follow the bank's policies, processes and procedures.</li><li>
This individual is expected to be responsive to their clients' credit needs with an elevated level of client service and credit acumen to address their needs appropriately and timely.
</li><li>This individual is responsible for the ongoing oversight and management of its portfolio (including timely risk rating assessments, reporting covenants, covenant compliance, and the preparation of quarterly and annual reports.)</li></ul></div><div></div><div><b><br>
WHAT WILL YOU DO?</b></div><div><ul><li>
Teamwork: Mentors junior colleagues, fosters a culture of continuous improvement and professional growth.</li><li>
Portfolio Management: Owns and manages an assigned credit portfolio, ensuring alignment with organizational goals and risk management practices, including underwriting all types of credit exposures, managing credit risk, and responding to prospective client inquiries.</li><li>
Credit Analysis: Analyzes credit data and perform underwriting to assess creditworthiness and recommend appropriate structures to the Sales team and client. Prepare underwriting memorandums and approval documents for presentation to Credit Risk.</li><li>
Performance Monitoring: Performs portfolio management activities to monitor and analyze portfolio performance, including periodic reviews and covenant tracking.</li><li>
Data Analysis: Analyzes credit data to support underwriting and creditworthiness assessments including developing and presenting individual credit recommendations.</li><li>
Risk Management: Practices effective risk management, maintaining high standards of credit quality and origination in alignment with Bank&rsquo;s credit risk appetite, and compliance with institutional and regulatory requirements.</li><li>
Collaboration: Partners with Relationship Manager(s) to successfully manage credit account relationships. Work closely with cross-functional teams to ensure cohesive and effective credit operations to achieve the Bank&rsquo;s strategic initiatives. Participate in ad-hoc projects to support the organization&rsquo;s priorities.</li><li>
Client Service: Provides exceptional client service by maintaining professionalism and effectively interacting with clients to understand their needs and provide tailored credit solutions. Participate in joint sales pitches with Relationship Manager(s).</li></ul></div><div></div><div><b><br>
WHAT DO YOU NEED TO SUCCEED?</b></div><div><b>
Required Qualifications*</b><ul><li>
Bachelor's Degree or equivalent in Finance, Business or related field</li><li>
Minimum 4 years of progressively increasing credit underwriting and portfolio management experience in relevant industry/industries required</li></ul><div>
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Additional Qualifications</b></div><ul><li>
Basic experience in credit management and lending operations, with a strong understanding of risk management principles</li><li>
Desire to build leadership and coaching skills, with the ability to train and develop talent</li><li>
Strong communication and collaboration skills, with the ability to work effectively with senior leadership and cross-functional teams</li><li>
Basic analytical skills, with the ability to interpret complex data and make informed decisions</li><li>
Industry-specific knowledge and expertise</li></ul></div><div><b><br>
WHAT'S IN IT FOR YOU?</b></div><div><b>
Compensation</b><div>
Starting base salary: $41.83 - $66.81 per hour. Exact compensation may vary based on skills, experience, and location. This job is eligible for bonus and/or commissions.</div></div><div><b><br>
Benefits and Perks</b></div><div>
At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues including:<ul><li>
Comprehensive healthcare coverage, including Medical, Dental and Vision plans, available the first of the month following start date</li><li>
Generous 401(k) company matching contribution</li><li>
Career Development through Tuition Reimbursement and other internal upskilling and training resources</li><li>
Valued Time Away benefits including vacation, sick and volunteer time</li><li>
Specialized health and family planning benefits including fertility benefits, and cancer, diabetes and musculoskeletal support programs</li><li>
Career Mobility support from a dedicated recruitment team</li><li>
Colleague Resource Groups to support networking and community engagement</li></ul><div>
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Get a more detailed look at our Benefits and Perks.</div></div><div><b><br>
ABOUT US</b></div><div>
Since day one we've always gone further than the competition to help our clients, colleagues and communities flourish. City National Bank was founded in 1954 by entrepreneurs for entrepreneurs and that legacy of integrity, community and unparalleled client relationships continues today. City National is a subsidiary of Royal Bank of Canada, one of North America&rsquo;s leading diversified financial services companies. To learn more about City National and our dynamic company culture, visit us at About Us.</div><div><b><br>
INCLUSION AND EQUAL OPPORTUNITY EMPLOYMENT</b></div><div>
City National Bank fosters an inclusive environment where all forms of diversity are valued and leveraged to make us a better company and employer. We are an equal opportunity employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sexual orientation, gender identity, national origin, disability, veteran status or other basis protected by law.<br>
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It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment. An employer who violates this law shall be subject to criminal penalties and civil liability.<br>
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<ul><li>Represents basic qualifications for the position. To be considered for this position, you must at least meet the required qualifications. careers.cnb.com accepts applications on an ongoing basis, until filled.</li></ul><br>
Unless otherwise indicated as fully remote, reporting into a designated City National location is an essential function of the job.</div></div></div>

Portfolio Manager I

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