Overview

DIVISION CREDIT MANAGER - Consumer, SBA, Business Banking, Card WHAT IS THE OPPORTUNITY? The Division Manager is responsible for overseeing the credit operations within Consumer, SBA, Business Banking, Card, ensuring strategic alignment, and effective risk management. This role involves leading a team of Credit Solutions colleagues, driving strategic growth, and maintaining high standards of credit quality and compliance. The Division Manager collaborates closely with senior leadership to develop and implement lending strategies that support the Bank's goals. The Division Manager will provide leadership in the creation and implementation of a cohesive and consistent credit culture, ensuring consistency in credit philosophy, underwriting review, and portfolio monitoring. This role is responsible for building and supporting effective partnerships and communication routines between the Credit Solutions team and its Sales and Risk partners. The Division Manager will partner with the head of the Sales business line to develop and implement a growth strategy. The Division Manager is responsible for understanding the full loan portfolio, including anticipating market changes and flagging risks and exposures as necessary. This role is also a point of escalation on individual transactions, as needed. The Division Manager also acts as the primary interface for the Credit Solutions division with internal Credit Risk Review and Audit and outside regulatory parties. This role actively participates in Risk Committee meetings and is responsible for or may coordinate the development and implementation of the risk management framework required by internal and external stakeholders. The Division Manager works with Credit Managers to coordinate and review reports submitted to various internal credit-related committees and prepare for and lead quarterly Portfolio Review meetings for each region or sub-verticals within their line of business to ensure that these sessions are efficient and meet Credit Risk's requirements.The Division Manager is also responsible for resource and budget planning and execution, including the implementation of a talent strategy to develop and retain credit talent. To that end, this role will be responsible for training colleagues at all levels, both through formal and informal mechanisms. This role will create job aids and trainings on certain topics, and may be asked to lead training sessions. In addition, this role is responsible for constantly assessing the procedures and processes for underwriting and monitoring credits and, when applicable, suggesting and implementing improvements. WHAT WILL YOU DO? Underwrite and portfolio manage Business Banking clients - typically privately held companies with annual revenues ranging up to $50 million across a wide range of industries and geographies.Formulate and recommend credit and banking solutions to clients to support working capitalStrategic Leadership: Develops and executes lending strategies for the business line, aligning with organizational goals and market conditions.Team Oversight: Supervises a team of Credit colleagues, providing functional guidance, risk management coaching, and performance management.Credit Management: Provides direction and counsel for the most complex accounts or sensitive client relationships. Guides team members to analyze the risk associated with direct credit and operational credit risk.Performance Monitoring: Monitors and analyzes portfolio performance, making adjustments as needed to optimize results.Risk Management: Ensures effective risk management practices are in place, maintaining high standards of credit quality and origination in alignment with Bank's credit risk appetite, and compliance with institutional and regulatory requirements.Business Growth: Drives business growth through strategic planning, market analysis, and identifying new opportunities.Collaboration: Works closely with senior leadership and cross-functional teams to