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North American Savings Bank · 2 days ago

VP, Credit Administration Manager

Kansas City, MO

Full-time

Hybrid

Senior Level, Lead/Staff

10+ years exp

North American Savings Bank (NASB) is dedicated to creating exceptional experiences for customers and is seeking a VP, Credit Administration Manager to lead their CRE/CND Credit Administration team. This role involves overseeing the credit analyst team, ensuring compliance with credit policies and regulations, and guiding the team in making sound credit decisions.

BankingFinancial ServicesInsuranceReal Estate

Responsibilities

Supervise and mentor a team of credit analysts, ensuring their performance meets company standards and objectives

Conduct regular team meetings to discuss credit policies, procedures, and updates in regulatory requirements

Provide guidance and support in complex underwriting cases, ensuring a balanced approach between risk and business objectives

Monitor team workload, ensuring timely processing of loan transactions

Coordinate with lending staff and credit analysts on high-value, complex real estate transactions to ensure risk and loan structure is appropriate

Work closely with the underwriting team to analyze borrower financial statements, borrower cashflows, real estate cash flow, collateral, markets, and credit history to assess risk levels

Stay current with real estate industry trends, changes in regulations, and market conditions that could affect underwriting decisions

Review credit memorandums prepared by analysts prior to submission

Underwrite transactions as needed based on size, complexity and staffing levels

Continuously assess underwriting processes and recommend improvements to increase efficiency and accuracy

Implement best practices for risk management and streamline procedures to meet operational targets

Collaborate with other departments (e.g., loan officers, risk management, compliance) to resolve issues and enhance communication

Ensure all underwriting practices comply with internal policies, federal regulations, and industry standards

Conduct periodic audits and quality control reviews of underwriting decisions to maintain accuracy and adherence to policy

Partner with Credit Risk Manager and Chief Risk Officer in evaluating and managing risk management practices within the commercial real estate and residential construction portfolio’s

Provide ongoing training to underwriters on real estate analysis, credit analysis techniques, financial statement interpretation, and new regulatory requirements

Identify skill gaps within the team and arrange for targeted training or mentoring to close those gaps

Qualification

Commercial real estate underwritingConstruction administrationRisk managementLeadership skillsFinancial statement analysisRegulatory complianceReal estate analysisCustomer service skillsMathematical skillsProblem-solving skillsCommunication skillsTime managementOrganizational skills

Required

Bachelor's degree in finance, accounting, business administration, or a related field

Ten years' experience in commercial real estate and construction and development underwriting, real estate analysis, construction administration or other related experience

Experience in analyzing various project types including multifamily, build-to-suit, residential rental portfolios, phased CRE development

Minimum two years in a supervisory or leadership role

Excellent knowledge of commercial real estate and construction and development lending, regulations and compliance

Excellent understanding of a real estate project's profitability and feasibility, and the ability to analyze, and articulate its impacts

Excellent leadership and team management skills

Excellent knowledge and understanding of bank systems, technology, and processes

Excellent customer service skills

Excellent mathematical, problem-solving, and critical thinking skills

Excellent written and verbal communication skills: ability to effectively interact with individuals in all areas of the bank

Excellent time management and organizational skills – must be detail-oriented and thorough

Can easily adapt and/or align with the evolving landscape and business changes

Ability to foster a culture of continuous learning and positive professional development to others

Ability to take initiative and be proactive within their work

Ability to lift/carry up to 25 pounds occasionally

Ability to remain stationary (sitting or standing) for prolonged periods

Ability to conduct keyboard/computer work for extensive periods

Ability to communicate clearly (understand/be understood) with customers in person or over the phone/computer

Preferred

MBA or professional certifications (e.g., CFA, CBA) are a plus

Benefits

Medical, dental, and vision coverage

401(k) retirement plan with an immediate employer match

Generous paid time off including, vacation, sick/personal, 11 holidays and volunteer time off

Company

North American Savings Bank

Since 1927, North American Savings Bank (NASB) has helped customers reach their financial goals with personal banking across Kansas City and residential lending nationwide.

Founded in 1998

Grandview, Missouri, USA

201-500 employees