Description
Plan, direct, and coordinate credit policy, underwriting, collections, and portfolio risk for a branch, office, or credit department, ensuring sound lending, compliance, and profitability.
- • Build and maintain relationships with borrowers and resolve credit-related issues.
- • Lead credit department staff and daily underwriting and collections operations.
- • Recruit, coach, and evaluate credit and collections personnel.
- • Prepare credit risk, delinquency, and portfolio performance reports for management.
- • Develop budgets and forecasts for the credit function, including loss provisions.
- • Design and deliver training on credit policies, systems, and regulatory compliance.
- • Oversee analysis and processing of credit applications and borrower financials.
- • Approve or decline credit requests within authority and coordinate escalations.
- • Monitor credit line usage, exposure, and receivables to optimize cash flow.
- • Prepare required regulatory and compliance reports on lending and credit quality.
- • Analyze borrower and industry data to assess risk and set credit terms.
- • Brief senior management, auditors, and regulators on credit policies and portfolio risk.
- • Evaluate and improve credit scoring models, underwriting standards, and collection procedures.
- • Partner with sales to structure deals and set prudent credit limits and terms.
- • Review aging and collection reports to manage delinquencies and recoveries.
- • Establish and enforce controls over collateral, credit files, and loan documentation.
- • Monitor economic and market trends to adjust credit strategies and risk appetite.
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Management & Entrepreneurship
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Tasks & skills:
O*NET occupational data (work activities, skills, knowledge).
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Last reviewed: Jan 2026
