Credit Human Benefits Overview

Analyze and underwrite complex commercial loan applications, renewals, modifications, and existing borrower transactions. Perform credit analysis, due diligence, collateral and appraisal reviews, cash flow analysis, and risk rating recommendations. Prepare accurate credit memoranda and support portfolio management while maintaining commercial portfolio credit quality. Serve as a subject matter expert in commercial lending underwriting, collateral, and credit risk.

Build and manage referral-partner networks to generate qualified mortgage opportunities and grow market share. Develop business plans, convert prospects into productive relationships, educate partners and communities, resolve issues, and use market and performance insights to improve referral quality and processes. Collaborate with home lending, operations, portfolio management, and marketing teams while maintaining quality, profitability, and risk standards.

Manages chattel loan processing and funding operations, including workflow, audits, documentation, credit verification, lien perfection, regulatory compliance, and quality standards. Leads and develops staff, coordinates training, resolves escalations, manages department expenses and invoices, improves processes, and supports business continuity. The role requires lending production experience, managerial experience, MLO eligibility, strong analytical and communication skills, and proficiency with office software.