About Community Bankshares Inc.

Community Bankshares, Inc. is a dynamic company that is revolutionizing the financial landscape via its support for America’s businesses. As a mission-focused company, we are redefining how lending capital is provided across the nation and its territories in ways that promote business stability and encourage local area prosperity.  In doing so, we foster economic growth, job creation and retention, and community strength.

Through our subsidiary partners, Community Bank & Trust – West Georgia, Thomas Financial Group and Phoenix Lender Services, we deliver an ever-expanding suite of financial services and expertise. From advanced lending strategies and support services to community-focused banking solutions, we empower businesses, individuals, and underserved markets with the capital and other tools they need to succeed.

With a steadfast commitment to collaboration, trust, and innovation, we are reshaping the future of lending in this country while promoting economic vibrancy and helping reinvigorate the places where people live, work, raise families, and do life together.

Community Bankshares, Inc. – Building stronger businesses, thriving communities, and a brighter future for all.

Position Summary:

The SVP Credit Manager is primarily responsible for providing oversight and direction of the USDA credit team of Phoenix Lender Services.

Job Duties/Responsibilities:

• Provide leadership and training to the PHX USDA Financial Analysts.
• Underwrite complex loan transactions for new and existing members with complicated borrowing structures, formulating mitigated risk recommendations, synthesized in the form of well-written and accurately analyzed narratives.
• Demonstrated ability to maintain a combination of production related to SBA, and USDA programs by utilization of Brokers, Packagers, USDA offices, SBA referrals, CU/Bank referrals, with low level production coming from traditional business development.
• Develop all types of business activity, specializing in SBA and USDA government loans.
• Prepare and submit credit packages with recommendations to approve or disapprove extensions of credit to the loan committee.
• Maintain a work area which ensures the safety and confidentiality of all customer records and transactions.
• Understand and comply with Bank Secrecy Act and Anti-Money Laundering Policies and Procedures.
• Confidently embody Community Bank & Trust values. • Represent Community Bank & Trust in the community and at community events.
• Perform all other duties as assigned.

Required Skills/Abilities:

• Financial acumen; Interpreting and applying understanding of key financial indicators to make better business decisions
• Drives engagement: Creating a climate where people are motivated to do their best to help the organization achieve its objectives
• Builds effective teams; Building strong-identity teams that apply their diverse skills and perspectives to achieve common goals
• Work independently to organize and prioritize tasks, manage time to meet deadlines, analyze requests, understand issues and develop appropriate solutions.
• Possess ability to effectively identify, analyze and solve problems.
• Practice a high level of attention to detail when performing job functions.
• Possess knowledge and maintain up-to-date information related to procedures and reporting guidelines.
• Understand and apply statutory and regulatory compliance matters as appropriate for your position.
• Communicate clearly and concisely via an appropriate level of verbal, written, and presentation skills. Also possess the ability to read, comprehend and explain applicable documentation.
• Proficiently utilize a computer and the software applicable to this position.

Education and Experience:

• High School diploma or equivalent preferred.
• High degree of ability to process and handle cash.
• Demonstrated excellence in working with peer teams across organizations.
• Proficiency in using Microsoft Office Suite and banking software programs and platforms.

Physical Demands and Work Environment:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the functions.

While performing the duties of this position, the employee is regularly required to communicate. The noise level in the work environment is usually moderate. Specific vision abilities required by this position include close vision, distance vision, color vision, peripheral vision, and the ability to adjust focus. The employee frequently is required to use hands or finger, handle, or feel objects, tools, or controls. The employee is occasionally required to stand; walk; sit; reach with hands and arms; climb or balance; and stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds.

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Note:

We are an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.

This job description is not designed to cover or contain a comprehensive list of activities, duties, or responsibilities that are required of the employee. They may change, or new ones may be assigned at any time with or without notice. Employees will be required to follow any other job-related instructions and to perform any other job-related duties requested by any person authorized to give instructions or assignments. All duties and responsibilities are essential functions and requirements and are subject to possible modification to reasonably accommodate individuals with disabilities. To perform this job successfully, the incumbents will possess the skills, aptitudes, and abilities to perform each duty proficiently. Some requirements may exclude individuals who pose a direct threat or significant risk to the health or safety of themselves or others. The requirements listed in this document are the minimum levels of knowledge, skills, or abilities. This document does not create an employment contract, implied or otherwise, other than an “at-will” relationship.