Business Risk Program Director (Commercial Credit Advisor)

About the role

This position is listed on behalf of a partner company, who manages all applications and next steps. Our partner is looking for a Business Risk Program Director (Commercial Credit Advisor) based in the United States. This is a senior first-line risk leadership role focused on strengthening commercial credit practices and managing business risk across a financial services environment. You’ll serve as a trusted advisor to business teams, providing guidance on regulatory requirements, credit decisions, and sound risk management practices. The role spans the full lending lifecycle, including underwriting, portfolio management, problem loans, risk ratings, and collateral valuations. You’ll use analytical insights and industry expertise to identify emerging risks and ensure activities remain aligned with established risk appetite. Working across credit, underwriting, administration, and second-line stakeholders, you’ll help embed a strong and consistent credit culture. You’ll also contribute to training, governance forums, regulatory monitoring, reporting, and predictive risk initiatives. This opportunity is well suited to an experienced commercial credit and risk professional who combines strong judgment, analytical depth, and a proactive approach to complex challenges.

Responsibilities

• Serve as the primary commercial finance regulatory advisor to business units, helping ensure compliance with applicable laws, regulations, and internal policies.
• Monitor the organization’s overall credit risk profile and assess alignment with Board-approved risk appetite.
• Strengthen and promote a consistent credit culture across the organization.
• Provide credible challenge to lending decisions throughout the credit lifecycle, including underwriting strategies, problem loan administration, risk ratings, nonaccrual status, and collateral valuations.
• Assess commercial credit programs and practices to identify potential regulatory, financial, operational, and reputational risks.
• Advise business and senior leadership on complex credit and risk-related decisions.
• Monitor regulatory developments and assess their potential impact on commercial credit products and business activities.
• Develop and deliver training for first-line teams on commercial credit, regulatory requirements, risk management, and related topics.
• Administer and participate in credit-related committees, working groups, and governance forums.
• Prepare risk reports, analyze findings, and communicate key insights and recommendations to relevant stakeholders.
• Leverage data analytics and technology to support predictive risk modeling and strengthen risk identification.