Credit Manager
BNP Paribas - San Ramon, CA

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Responsible for the Business Credit Solutions (BCS) Portfolio and Underwriting function, including Portfolio Quality, Service Quality, Personnel, & Training. Liaison to Credit Administration & Senior Management.

Position Accountabilities
  • Ensures compliance with established Loan policies and regulatory requirements.
  • Reviews loan policies and recommends changes to reflect group credit risk appetite.
  • Identifies trends and/or changes in market and economic conditions that could impact the portfolio and takes action as required.
  • Provides ongoing training for underwriting staff to ensure consistent credit decisions.
  • Monitors past dues & delinquency reports and recommends SAD transfers as required.
  • Ensures that Service Level Agreements (SLAs) are met for credit decisions, telephone and email responses of underwriting staff.
  • Ensures that customers (internal) receive prompt, courteous and accurate responses.
  • Ensures personnel performance reviews are completed in a timely manner.
  • Maintains department expenses within assigned budget.
  • Encourages interdepartmental cooperation and support.
  • Identifies & implements opportunities to increase revenues.
  • Identifies & implements opportunities to improve efficiencies throughout the entire department
  • Assists with merger / acquisition related activities as needed
  • Identifies & implements opportunities to expand product line
  • Maintains a high level of department morale.
  • Other duties as required.

  • Job Specifications

    Required Education or Equivalent Experience
    • Bachelors Degree

    Required Experience
    • 12-15 years

    Field of Experience
    • Commercial lending, including underwriting, documentation, legal/regulatory and other compliance issues.
    • Knowledge of both commercial and agricultural industries.
    • General & Process Management
    • Computer/systems operation Approval Authority
    • As delegated by Credit Administration; generally adequate to approve any conforming product within our product set. Includes full policy exception authority.
    • BCS portfolio is approximately 45,000 accounts & $5B in commitments
    Administrative/Technical Skills
    • Analytical and research
    • Bank product and services knowledge
    • Demonstrated management skills
    • Effective negotiation skills
    • Planning & organization skills
    • Presentation skills
    • Written & Verbal communication skills
    Level Supervised
    • Manages several locations through subordinate managers
    • 30 - 35 Direct Reports: Exempt/ VP Level Managers and Underwriters and non-exempt Processors
    Physical Requirements
    • Sedentary Work: lifting a maximum of 10 pounds, frequent standing/walking

    About this company
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    One of Europe's largest banks, BNP Paribas operates about 7,300 branches in more than 80 countries across Europe, North America,...