- Ensure financial analysis, cash flow modeling, collateral analysis, and guarantor evaluations are thorough and well documented. Â
- Promote strong communication and partnership between underwriting, lending, operations, and executive leadership. Â
- Support ACL/CECL methodologies and portfolio reporting processes in partnership with finance and risk management teams. Â
- Review and approve commercial credit requests within delegated lending authority. Â
- Maintain high standards for credit presentations and loan approval memorandums. Â
- Oversee exception tracking and approval processes. Ensure compliance with NCUA regulations, internal policies, and sound commercial lending practices. Â
- Coordinate with internal audit, compliance, loan review, and external examiners during examinations and audits. Â
- Provide guidance and direction on complex commercial credit relationships, including owner-occupied real estate, investment real estate, C&I, construction, and participation loans. Â
- Monitor and report key credit risk metrics to executive leadership and committees.
- Identify emerging credit risks and recommend proactive mitigation strategies. Â
- Lead, mentor, and develop commercial credit staff, fostering a collaborative and accountable culture. Â
- Assist in maintaining and updating commercial loan policies and underwriting guidelines. Â
- Establish performance expectations, coaching plans, and professional development opportunities for team.
- Participate in strategic planning and organizational leadership initiatives Â
- Must comply with applicable laws and regulations.
- Minimum 10 years of progressive commercial credit and lending experience, preferably within a financial institution or bank environment.Â
- Demonstrated ability to manage portfolio risk and support strategic commercial growth.Â
- Bachelor’s degree in Finance, Business or related field or a combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions. Â
- Minimum 5 years of leadership or management experience, preferably within commercial credit administration. Â
- Proficient with commercial loan systems, financial analysis software, and Microsoft Office applications.Â
- Strong knowledge of commercial credit principles, financial statement analysis, cash flow analysis, and loan structuring. Â
- Strong understanding of regulatory compliance, loan policy governance, and credit risk management practices. Â
- Excellent leadership, coaching, and team development skills. Â
- Strong written and verbal communication skills, including executive and Board-level presentation abilities. Â
- Ability to exercise sound judgment and make independent credit decisions. Â
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