Credit Manager - Corporate Asset FinanceThe Credit Manager - Corporate Asset Finance (CAF) leads staff in the processing and recording of commercial loans and leases, ensuring compliance with related policies and regulations. This job assesses credit risk to understand client behaviors and protect the organization from credit risk-related losses and consumers' over-indebtedness. This job also implements processes to ensure relevant publications are prepared for the business units, senior management, regulatory reporting, risk officers, management committees, the Board of Directors and other stakeholders. Working under limited supervision, this job evaluates the financial status of potential customers, monitors existing clients, performs risk assessments, writes detailed reports, and makes informed decisions while extending credit.Key Responsibilities and Duties
Leads the underwriting process, financial analysis, and client due diligence for equipment loan and lease requests.
Ensures that financial objectives and service standards are met; ensures that loans are processed accurately, efficiently, and comply with all regulations.
Manages working processes, including loan document preparation, written records, and maintenance of credit files; ensures that documentation is processed to the underwriting team in a timely manner.
Reviews and authorizes corrections to loan records.
Assesses credit risk for complex accounts, while following guidelines established by the company, and provides proposals on client credit extension to senior managers.
Conducts large or complex evaluations of client's credit data to ensure adherence to the organization's policies and procedures, and structures deals and performs risk assessments in alignment with risk and compliance obligations.
Helps establish and implement processes to maintain information on the financial background of prospective customers and performs statistical analyses to assess the impact of changes in credit strategy.
Develops consolidated credit risk reporting framework, ensuring accuracy and data integrity, and oversees risk management policies and credit examination procedures to ensure all programs comply with established standards and policies.
Manages performance of direct reports through regular, timely feedback as well as the formal performance review process to ensure the delivery of credit objectives and the engagement, motivation and development of the team.
Educational Requirements
University (Degree) Preferred
Work Experience
8+ Years Required; 10+ Years Preferred
Physical Requirements
Physical Requirements: Sedentary Work
Career Level10PLPosting end date: 5/12/24#LI-Remote #LI-CM1Company SummaryEverBank provides nationwide banking services to consumer and commercial clients through a variety of channels, including online and mobile applications, as well as its Florida-based financial centers.VEVRAA Federal ContractorBenefits SummaryEverBank is committed to the well-being of its associates. That's why we offer a comprehensive Total Rewards package commensurate with the position and job-related qualifications, skills and knowledge. EverBank strives to pay wages competitive with those prevailing in our geographic areas and industry.EverBank's Total Rewards package includes superior benefits such as, health, wellness and work life offerings that can help you achieve and maintain your best possible physical, emotional and financial well-being.EverBank prohibits pay discrimination on the basis of any protected characteristic.EverBank may require a background check as a condition of employment. Qualified applicants with arrest and/or conviction records will be considered in accordance with applicable federal, state, and local laws and regulations, including, but not limited to, any laws and regulations specifically pertaining to banks and federal contractors.EverBank seeks priority referrals of protected veterans for jobs at all locations within the state.Pay Range $177,700 to $240,300EEO StatementEverBank, N.A. is an equal opportunity (EEO) employer, dedicated to maintaining a work environment free of bias, harassment, discrimination and retaliation. As an EEO employer, EverBank expressly prohibits discrimination, harassment and retaliation based on protected characteristics such as race, creed, ethnicity, color, age, religion, sex, sex stereotype, pregnancy, sexual orientation, gender, gender identity, gender expression, transgender status, marital status, national origin, ancestry, physical or mental disability, genetic history and information, or military or veteran status. Providing a safe, inclusive environment is a priority at EverBank and, consistent with that mission, EverBank considers all qualified applicants for employment regardless of protected status.Pay Transparency Non-Discrimination ProvisionWe will not discharge or in any other manner discriminate against associates or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another associate or applicant. However, associates who have access to the compensation information of other associates or applicants as a part of their essential job functions cannot disclose the pay of other associates or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by us, or (c) consistent with our legal duty to furnish information. If you believe that you have experienced discrimination, contact OFCCP at 1.800.397.6251. TTY 1.877.889.5627. www.dol.gov/ofccp (https://urldefense.com/v3/http:/www.dol.gov/ofccp;L8-7AA!WETVLfn333rqXNYi0-qITSUktDEWiFnQqvstF1J-gO8B03ANdCf4ucPkrvzeJpXk8bwyTvLqjEa8-JEpoxwcjXaB$) .Machine Readable FilesThe Transparency in Coverage Final Rules require certain group health plans to disclose on a public website information regarding in-network provider rates and historical out-of-network allowed amounts and billed charges for covered items and services in two separate machine-readable files (MRFs). The MRFs for the benefit package options under are linked below:Machine Readable Files (MRFs) - Aetna