Top Credit Executive leads the overall credit function. Responsible for creating and implementing policies regarding the review of customers credit history and the granting and/or extension of credit lines. Being a Top Credit Executive ensures that research of credit worthiness is effective and complies with all applicable laws and regulations. May lead a loan review or other internal committee that has oversight on credit policy. Additionally, Top Credit Executive may require an advanced degree. Typically reports to top management. The Top Credit Executive manages a business unit, division, or corporate function with major organizational impact. Establishes overall direction and strategic initiatives for the given major function or line of business. Has acquired the business acumen and leadership experience to become a top function or division head. (Copyright 2024 Salary.com)
PRIMARY OBJECTIVE OF POSITION
The primary objective of this position is commercial business credit underwriting, documentation, monitoring, and detailed evaluation of applicants’ financial histories, projections, and statements. Tasks include analyzing applicant’s business plan(s), financial information, and credit worthiness which directly impacts lending decisions.
ESSENTIAL JOB FUNCTIONS
RELATIONSHIPS AND CONTACTS
Supervise Approximately: None
Reports To: Vice President of Credit
EDUCATION
EXPERIENCE
PHYSICAL REQUIREMENTS
Position involves wrist/hand manipulation; frequent viewing of computer monitor; restriction to workstation for extended periods of time. Ability to work extended hours as required.
EQUIPMENT SKILLS
Personal computer with Windows operating system, scanner(s), calculator(s), copy machine, and general office equipment.
The above statements reflect the general details considered necessary to decide the principal functions of the job identified and shall not be construed as detailed description of all work requirements that may be inherent in the job.
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