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Commercial Bank Risk - Credit Risk Manager (CTL), VP

Req #: 180024448_1
Location: Dallas, TX, US
Job Category: Accounting/Finance/Audit/Risk
Potential Referral Amount: 0 US Dollar (USD)

Credit Risk Manager, Commercial Term Lending, KRG



Performs necessary real estate based credit analysis, due diligence, and review of documents for new and existing relationships and monitors/manages ongoing performance/risk of accounts within his/her assigned portfolio under limited direction of Credit Executive.  Recognized for superior credit knowledge, real estate lending and transaction knowledge and analytical abilities.  Serves as independent, key resource concerning credit issues on assigned portfolio of relationships.  A contributing member of the business development deal team, managing the biggest and most complex transactions and relationships with little or no guidance from immediate manager.   Serves as a mentor to more junior credit managers and oversees training of credit analysts. 



Performs independent technical/specialized analysis of commercial real estate relationships generally involving more complex and larger size portfolios of $25MM+ of debt collateralized primarily by stabilized multi-family properties.


The incumbent should have experience in real estate investment analysis, finance and budgeting, basic legal knowledge regarding suits, liens, judgments, foreclosures (judicial/non judicial foreclosure), garnishments and bankruptcy laws, asset base lending, and commercial lending.  While an incumbent may not directly supervise the work of others, they will be expected to work in an autonomous environment while providing guidance to others in Commercial Term Lending. This will be accomplished by responding to credit related questions and identifying training needs.


Job Functions:

Credit Managers at this grade level consistently apply the highest work standards, effectively prioritize and execute work assignments, and formulate accurate conclusions independently without supervision.  Assignments are broad in scope, with considerable latitude for un-reviewed action or significant decision-making.  Employees determine/prioritize the work to be accomplished based on knowledge of overall management objectives and select appropriate methodologies independently to produce the desired result.  Recommendations and work products are assessed within normal performance review cycles.  


  1. Performs complex real estate based financial analysis, identifies risk, and interprets data for management's use in rendering sound credit decisions.  Analysis is based on property operating statements, rent rolls, schedule of real estate owned and client’s financial balance sheet.
  1. Completes credit actions (annual family credit reviews) summarizing the financial analysis completed on a client’s portfolio including recommendations for future business. 
  2. May serve as a project leader on special assignments, including the evaluation of income property loan portfolios, training less experienced credit manager/analyst or division employees, and updating credit policies.
  3. Formulates new analytical processes and enhances existing reports to improve the quality of information available to top management.

  Knowledge Requirements:

  • Computer proficiency skills in Excel (financial modeling), Microsoft Word, and Access.
  • Standards, practices, methodologies, and regulatory requirements relative to the finance/accounting disciplines.
  • Deep understanding of Commercial real estate valuation concepts and methodologies
  • Extensive working experience with property cash flow analysis historical and pro-forma
  • Knowledge of risk rating methodologies and credit risk assessment processes for commercial real estate loans.


Demonstrated Ability:

  • Establish and maintain effective relations with internal and external clients as required by the duties of the position.
  • Understand and interpret financial/performance data for multifamily and commercial properties.
  • Become conversant with the policies, standards, procedures, and regulations applicable to the assigned work unit in a timely manner.
  • Understand and apply financial analysis methodologies to achieve/produce a desired result.
  • Express ideas and convey technical information in written, oral, and electronic communication.
  • Interpret results of credit analysis and formulate effective recommendations.
  • Develop mathematical models that produce the desired result.
  • Provide effective guidance and performance feedback to junior employees and others in Commercial Term Lending.
  • Independently plan and conduct non-routine financial analysis/reporting projects.
  • Ability to serve as functional technical expert in responding to customer inquiries and resolving system related issues.
  • Thorough understanding of risk impact and consequence of errors in formulating decisions and providing direction to others.


Experience / Education Requirements

  • Graduation from a college or university with major course work in a discipline related to the work of the position.
  • Minimum requirements of 10+ years experience in real estate lending in construction and permanent financing, underwriting, loan review and/or loan workouts.
  • Any combination of education/and or experience consistent with the above that would demonstrate the capability to perform the duties of the position. Additional qualifying education may be substituted for a maximum of two years of the experience requirement. Additional qualifying work experience may be substituted for a maximum of two years of the education requirement
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