Credit Manager

The Credit Manager is responsible for leading the underwriting and portfolio management team with a primary focus on people leadership, asset quality, and credit risk mitigation across the Energy, Infrastructure, and Project Finance platform. This role ensures consistent execution of underwriting, servicing, and—when necessary—credit restructuring strategies to protect the bank’s capital and optimize portfolio performance.

The Credit Manager drives accountability for underwriting quality, portfolio monitoring, and servicing execution, while developing and coaching team members to perform at a high level. The role also has direct responsibility for maintaining asset quality through proactive risk identification, disciplined monitoring, and timely intervention, including restructuring or modification strategies where appropriate.

In addition, this position provides clear, accurate, and timely reporting to senior leadership and executive stakeholders on portfolio performance, emerging risks, and mitigation actions.

Essential Job Functions

• Lead and develop the underwriting and portfolio management team, including hiring, coaching, performance management, and establishing a culture of accountability, ownership, and continuous improvement
• Own overall asset quality of the portfolio, ensuring risks are proactively identified, assessed, and mitigated through underwriting discipline, servicing actions, and restructuring where necessary
• Ensure consistent and appropriate underwriting standards, credit structuring, and risk assessment practices across all new originations
• Oversee ongoing portfolio surveillance, including covenant compliance, borrower performance, reporting, and early warning indicators, with clear escalation protocols
• Direct and support credit intervention strategies, including amendments, waivers, modifications, and restructurings, to minimize losses and optimize recoveries
• Review and approve underwriting and portfolio analysis work product, ensuring accuracy, completeness, and alignment with bank credit standards and risk appetite
• Establish and enforce portfolio management cadence and controls, including periodic reviews, asset quality grading, and action planning for underperforming credits
• Provide executive-level reporting and insights on portfolio health, risk trends, watchlist assets, criticized/classified exposures, and mitigation strategies
• Partner with senior leadership, credit risk, and loan committee to ensure risk-adjusted decisioning and alignment with strategic objectives
• Coordinate cross-functionally with originations, closing, operations, and risk teams to execute transactions and servicing actions efficiently and consistently