AVP, Commercial Credit

About the role

The AVP, Commercial Credit is responsible for the management and execution of all business and commercial underwriting and credit analysis functions within the Commercial Credit Department.

Responsibilities

• Provide direct oversight and management, and coaching and development to the business lending credit and underwriting team.
• Responsible for the day-to-day planning, organizing, and operational efficiency of the commercial credit team.
• Evaluate and analyze business loan and commercial requests and make informed, accurate and complete credit recommendations to management.
• Maintain and prioritize the business credit underwriting and analysis workflow and any applicable resources.
• Manage and prioritize the business credit underwriting and analysis workflow and any applicable resources.
• Prepare, review and present Business Services Loan Committee agenda and loan presentations, monitor committee results and communicate decisions to all applicable parties involved.
• Oversee annual loan review process.
• Ensure that Business Credit Procedures and Desktop Procedures are updated and adhered to in a timely manner.
• Implement successful measurement tools, processes and quality control methodologies.
• Accountable for resolving audit findings related to business credit, identifying root cause and applying corrective measures.
• Manage workflow to ensure the accurate, complete and compliant processing of business secured, unsecured and real estate loan requests, modifications and reviews.
• Ensure that all teammates are properly cross-trained and able to provide back-up support when needed.
• Develop and produce weekly, monthly and ad hoc reports for the Business Services Department, Loan Committee, the Senior Team and the Board of Directors, as applicable.
• Complete ad hoc projects designated by the Chief Lending Officer or SVP Commercial Credit.
• Cultivate a positive working relationship with the entire department to identify, develop, and recommend revisions of internal standards, policies, operating procedures, and new processes to improve efficiencies.

Requirements

• Minimum of six (6) years of experience in a business/commercial credit underwriting and analysis environment within a financial institution with relevant banking, portfolio management or credit experience.
• Minimum of three (3) years of experience supervising others operating in a credit underwriting and analysis environment.
• Demonstrated ability to successfully structure and analyze complex business and commercial credit requests that minimize risk while providing member value.
• Knowledge of State and NCUA regulations.
• Effective analytical, managerial, organizational, presentation, problem-solving and member/customer service skills.
• Independent judgment and technical capabilities required to plan, prioritize and organize diversified workload.
• Strong verbal and written communication and negotiation skills.
• Proven time management, prioritization, critical thinking, problem solving, effective communication, and organization skills.
• Strong proficiency with Microsoft products including Word, Excel, PowerPoint and Outlook.

Qualifications

• Required: BA/BS degree or equivalent work experience.
• Required Training: Formal credit analysis training.