Ascentium Credit Manager

The Credit Manager at Ascentium Capital leads a team of analysts responsible for evaluating commercial loan applications for new loan transactions as well as for processing annual loan reviews on existing borrowers. Primary Responsibilities Leads the examination of credit risk and ensures proper risk management practices are in place and utilized effectively through ongoing monitoring activities including identifying risk rating accuracy and policy compliance Serves as a lead examiner on occasion for specific reviews/examinations which may include activities such as proper sample selection, review team composition/logistics, data compilation and analysis, written report generation, and collaboration with unit management Provides continual feedback regarding existing or emerging risks or issues Identifies and mitigates risk actively in existing and proposed credit product transactions Maintains market knowledge of loan pricing and structural trends to match client needs with company credit product solutions Coaches associates around client selectivity, loan and lease structuring, underwriting, servicing and risk rating Oversees the hiring, training, development, and coaching of associates Works in conjunction with the appropriate managers and executives to support each business unit's performance goals and service standards May maintain limited client portfolio management including portfolio reporting Requirements Bachelor’s degree in Business Administration, Finance, or a related field Five (5) years of experience in commercial/bank underwriting or related experience Preferences Experience with Fair Isaac credit models Completion of a formal bank underwriting training Management/supervisory experience Skills And Competencies Ability to learn additional systems as needed Ability to manage multiple priorities Ability to research, analyze data, and derive facts Ability to work in a team environment when applicable Ability to work under pressure and meet deadlines Proficiency in Microsoft Office (Excel, Word, PowerPoint, Outlook, etc.) Strong attention to detail and proof‑reading skills Strong skills in calculating financial ratios Strong understanding of personal and business credit reports Strong verbal, written communication, and organizational skills Strong work ethic and self‑motivation Position Type Full time Compensation Details Pay ranges are job specific and are provided as a point‑of‑market reference for compensation decisions. Other factors which directly impact pay for individual associates include: experience, skills, knowledge, contribution, job location and, most importantly, performance in the job role. Pay will also vary among individual associates within the same job. Minimum: $105,632.37 USD Median: $150,593.70 USD This role is eligible to participate in a discretionary incentive plan. Employees have the potential to receive a discretionary award based on performance against defined metrics and goals. Benefits Information Paid Vacation/Sick Time 401K with Company Match Medical, Dental and Vision Benefits Disability Benefits Health Savings Account Flexible Spending Account Life Insurance Parental Leave Employee Assistance Program Associate Volunteer Program Location Ascentium Kingwood – Kingwood, Texas Equal Opportunity Employer/including Disabled/Veterans #J-18808-Ljbffr