AVP, Credit Administration

Essential Functions

• Lead credit administration across commercial, mortgage, and consumer lending, including front-end credit practices, portfolio oversight, and collections strategy.
• Ensure underwriting standards, approval authorities, exception tracking, and portfolio monitoring processes are consistent with policy, risk appetite, and strategic goals.
• Monitor and analyze credit quality trends, concentration levels, delinquency patterns, charge-offs, recoveries, and emerging portfolio risks across all lending channels.
• Develop and maintain key portfolio metrics, concentration reports, and executive dashboards to support timely management and Board reporting.
• Adjust production goals and recommend changes to underwriting standards or portfolio strategies to maintain alignment between growth and asset quality.
• Partner with Finance & Risk leadership on CECL-related analytics, loss forecasting, and reserve discussions.
• Supervise the commercial lending function, including origination support and loan servicing activities, in a small but strategically important commercial department.
• Help develop small business and commercial lending strategies that diversify the loan portfolio and supplement other asset classes.
• Direct commercial annual reviews, including financial analysis, covenant compliance, collateral review, relationship monitoring, and risk rating validation.
• Monitor commercial concentrations and ensure commercial lending administration meets policy and regulatory expectations.
• Oversee collections, delinquency management, loss mitigation, restructures, modifications, and recovery strategies across all consumer, mortgage, and commercial portfolios.
• Evaluate workout options and recommend appropriate action plans that balance member service, loss mitigation, and policy compliance.
• Monitor collection performance metrics, vendor effectiveness, and legal recovery activity where applicable.
• Maintain the enterprise credit policy framework, including credit standards, concentration limits, delegated authorities, exception management, and credit committee support.
• Ensure compliance with applicable regulatory requirements, including NCUA expectations, consumer lending regulations, fair lending principles, collections requirements, and commercial lending review standards.
• Support internal audit, external audit, and regulatory examinations with strong documentation, issue remediation, and reporting transparency.
• Maintain particular rigor around commercial annual review completion, documentation quality, and ongoing monitoring expectations.
• Lead, coach, and develop direct reports and related credit administration staff to strengthen underwriting quality, portfolio discipline, and regulatory readiness.
• Deliver credit training and education across lending functions to ensure consistent interpretation of policy, risk rating, and portfolio expectations.
• Serve as a strategic partner to Lending, Finance, Risk, Compliance, and senior management on portfolio strategy and emerging credit issues.

Qualifications

• Bachelor’s degree in finance, Accounting, Business Administration, Economics, or related field strongly preferred. A minimum of 8-10 years of progressive experience in credit risk management may be accepted in lieu of degree.
• CCUE, CRCM, or other relevant credit, compliance, or risk certifications preferred.
• 8-10 years of progressive banking or credit union experience in lending and credit risk management, with meaningful exposure to commercial, mortgage, and consumer portfolios.
• Significant experience in underwriting, credit analysis, portfolio management, collections oversight, and executive reporting.
• Demonstrated commercial lending administration experience, including annual reviews, financial statement analysis, covenant monitoring, and risk rating assessment.
• Strong knowledge of credit administration, portfolio risk management, CECL concepts, and loss mitigation practices.
• Deep understanding of NCUA expectations, commercial lending administration, consumer compliance, and examination readiness.
• Advanced analytical, reporting, and communication skills, including the ability to present portfolio risk clearly to executive leadership and the Board.
• Ability to connect production planning, asset quality, concentration management, and regulatory compliance into a unified management framework.
• Minimum of five years’ experience supervising teams and influencing cross-functional partners in a regulated financial institution environment.