This is a banking position
This role will oversee credit underwriting, approval processes, portfolio management, and annual review activities while providing leadership to a team of credit analysts and underwriters.
The ideal candidate will possess a strong Commercial & Industrial (C&I) credit background, proven leadership experience, and the ability to manage a high-volume commercial loan portfolio. This individual will serve as a key partner to lending teams, ensuring sound credit decisions, policy adherence, and efficient execution of the bank's credit administration process.
Job Requirements
- Oversee the underwriting, analysis, and approval process for commercial lending relationships
- Review and approve credit packages, financial analyses, annual reviews, and credit memorandums prepared by analysts and lenders
- Exercise lending and credit approval authority within assigned limits and escalate larger transactions as required
- Manage annual credit reviews and borrower-level risk assessments across the commercial portfolio
- Review financial statements, tax returns, cash flow analyses, debt structures, and borrower performance metrics
- Ensure timely completion of annual reviews, covenant monitoring, and financial tickler requirements
- Oversee debt consolidation analyses and complex credit reviews for larger commercial relationships
- Maintain quality control standards for credit presentations, call reports, and loan approval packages
- Serve as the primary liaison between lending and credit teams to facilitate efficient credit decision-making
- Manage workflow across a portfolio of approximately 150–200 commercial loan relationships
- Monitor compliance with internal credit policies, lending authority guidelines, and regulatory requirements
- Supervise, mentor, and develop a team of credit analysts and underwriters
- Assist with process improvements and ongoing enhancement of credit administration practices
- Support senior management with portfolio reporting, credit quality reviews, and special projects
Job Qualifications
- Minimum 7 years of commercial credit analysis, underwriting, or credit administration experience required
- Previous Credit Manager, Senior Credit Officer, or similar credit leadership experience preferred
- Strong Commercial & Industrial (C&I) lending experience required
- Experience reviewing and approving commercial loan structures, financial analyses, and credit memorandums
- Proven experience managing annual reviews, portfolio monitoring, and borrower risk assessments
- Prior experience supervising credit analysts, underwriters, or credit administration staff required
- Strong knowledge of commercial lending policies, credit risk management, and regulatory requirements
- Experience managing complex commercial lending relationships and large loan portfolios
- Strong analytical, organizational, and problem-solving skills
- Excellent verbal and written communication abilities
- Ability to manage multiple priorities and deadlines in a fast-paced environment
- Bachelor's Degree in Finance, Accounting, Business, or related field preferred