• Administers the credit-risk analysis and portfolio surveillance functions of the Special Assets Department, including the ongoing financial analysis and monitoring of criticized and classified commercial loan relationships to identify changes in credit quality, emerging risks, and matters requiring management attention.
• Performs comprehensive financial and credit analysis of criticized and classified commercial loan relationships, including borrower and guarantor financial performance, cash flow, debt service coverage, leverage, liquidity, contingent liabilities, collateral coverage, secondary repayment sources, and other factors affecting repayment capacity and credit risk.
• Prepares quarterly Credit Review Memoranda incorporating financial, collateral, and credit-risk analysis to support portfolio management, risk-rating justification, loss mitigation, and internal and regulatory review requirements.
• Monitors collateral-related risk components, including valuation, insurance, lien position, lien perfection, and other matters affecting collateral coverage and the Bank's secured position.

• Actively contributes to departmental operations, initiatives, and team objectives.
• Coordinates administrative and information requirements among Commercial Lending, Credit Administration, Loan Operations, Legal, Appraisal, and other internal and external stakeholders.
• Coordinates recurring requirements, including appraisals, financial reporting, insurance, covenant documentation, litigation milestones, and other required deliverables.
• Maintains accurate data and reporting systems while supporting initiatives that improve data quality, analytics, and operational efficiency.
• Develops and delivers reporting, dashboards, risk assessments, and management information for departmental oversight, senior management, committees, auditors, and regulators.
• Supports audit, loan review, and regulatory examinations by coordinating information, validating supporting documentation, and responding to inquiries within assigned responsibilities.
• Represents the Special Assets Department in meetings, presentations, examinations, and discussions relating to assigned responsibilities and departmental initiatives, as requested by management.

• Maintains current knowledge of applicable banking regulations, interagency guidance, commercial lending practices, problem-loan and loss-mitigation strategies, risk-rating principles, and industry trends affecting criticized and classified commercial credit administration.
• Maintains proficiency with commercial banking, credit administration, financial analysis, reporting, and data-management systems used by the Bank.
• Uses available technology to organize and analyze data, identify credit trends and exceptions, develop management reporting, and improve the accuracy and efficiency of departmental processes.
• Maintains an understanding of data integrity and governance principles necessary to support reliable portfolio surveillance, management reporting, audit, and regulatory review.
• Evaluates and appropriately utilizes emerging analytical and productivity technologies, including artificial intelligence tools where authorized by Bank policy.
• Participates in professional development, knowledge sharing, and collaborative departmental activities that promote team effectiveness, operational consistency, and continuous improvement.

• Performs other job-related duties and participates in departmental projects and initiatives as assigned.

What You'll Need to Succeed:

Preferred Qualifications:

Technology Qualifications