Commercial Credit Manager - HDFS

This position is responsible for overseeing the activities of an assigned number of commercial credit analysts. Including review and approval of floorplan credit facilities, dealer support loans, reporting, training, mentoring, establishment and tracking of team goals and credit decisions up to established levels. This position calls for a high level of interaction at all levels of leadership as well as Harley-Davidson Motor Company staff and Dealer Development Team. This role also provides oversight and leadership on commercial credit risk management practices, and portfolio financial performance monitoring.

• Manages commercial credit underwriting activities for floorplan credit facilities and dealer support loans, including acquisition, facility improvements, equipment, and working capital loans.
• Assigns files among credit analysts to ensure reviews are scheduled per policy and tracks performance monthly to ensure timely completion.
• Reviews credit packages including floorplan credit facilities and dealer support loan requests for approval up to established level of authority and provides recommendations on requests above established level of authority.
• Identifies and escalates emerging credit risks, recommending mitigation strategies and policy adjustments.
• Establishes and monitors individual and team goals
• Conducts individual performance reviews as required with specific feedback on established goals, attainment and shortfalls plus developmental needs for the individual to progress in his/her job or to the next level.
• Provides monthly reporting to senior leadership on team goals
• Trains staff on financial, cash and trending analysis along with security documentation.
• Negotiates intercreditor agreements to ensure the business has perfected its security interest and that a priority position is placed on borrowers' collateral.
• Monitors and manages Rejected Orders/Overline Approvals within portfolio; Temporary Credit Line Increases/Used Credit Lines within portfolio
• Protection of information and compliance with the law are paramount. Protecting employee, customer, and corporate information is everyone's responsibility at Eaglemark Savings Bank. All employees must follow established safeguards, including policies regarding data protection, segregation of duties, and access to information based solely on business need. Further, it is the responsibility of all employees to maintain awareness and understanding of relevant laws, regulations, internal policies and procedures, and to comply with all of them.

• BS/BA in Business Administration or similar; Accounting or Finance Preferred
• Master's Degree Preferred

Required

• Typically requires a minimum of 10 years of related experience.
• Minimum of 7 years of commercial credit experience.
• Minimum of 5 years of management experience
• Extensive knowledge of financial statement analysis and cash flow analysis
• Experience with Uniform Commercial Code, secured lending, and commercial lending documentation.
• Experience with credit risk management frameworks and portfolio analytics.
• Ability to dene roles and responsibilities and delegate eectively
• Analytical thinker with attention to detail; proven self-starter and problem solver.
• Great communication and relationship management skills are a must.
• Intermediate-to-advanced Excel skills; proficient in all other Microsoft Office applications.