State Credit Manager

- Credit Underwriting: Conduct comprehensive credit analysis of loan applications for secured business loans, evaluating the creditworthiness of borrowers, and assessing potential risks involved.

- Team Management: Lead and supervise a team of credit analysts and underwriters, providing guidance, training, and support to ensure consistent performance and adherence to established policies and procedures.

- Risk Assessment: Identify and analyze potential credit risks within loan applications, evaluating collateral, financial statements, credit history, and other relevant factors.

- Loan Structuring: Collaborate with the sales team to structure suitable loan proposals, offering customized financial solutions that align with both the company's and customers' needs.

- Compliance: Ensure compliance with all internal policies, external regulations, and legal requirements related to credit evaluation and approval processes.

- Decision Making: Make well-informed credit decisions based on thorough analysis, ensuring an appropriate balance between risk and business objectives.

- Portfolio Monitoring: Regularly review and monitor the existing loan portfolio, identifying early warning signals and recommending necessary actions to mitigate risks.

- Stakeholder Communication: Effectively communicate credit decisions and recommendations to the sales team and other relevant stakeholders.

- Process Improvement: Continuously review and enhance the credit underwriting process to streamline efficiency and maintain the quality of credit evaluations.