Credit Manager - Newport News, VA

Responsibilities

• Responsible for commercial underwriting, credit analysis, loan servicing, treasury management, and commercial lending operations, and provides senior oversight of underwriting and credit structuring for complex C&I, CRE, and business lending transactions, including covenant design, collateral structures, and financial analysis.
• Establishes and maintains underwriting standards, credit policy & procedures, and operational controls to ensure sound lending practices and regulatory compliance, as well as quality control over credit memos, loan approvals, annual reviews, covenant tracking, and borrower financial monitoring.
• Oversees the commercial loan pipeline from intake through underwriting, approval, closing, and servicing, ensuring efficiency and timely execution, and directs all loan servicing and portfolio administration activities, including financial statement collection, covenant compliance monitoring, and portfolio risk reporting.
• Oversees operational processes related to loan documentation, closings, post-closing review, and system boarding.
• Provides oversight of treasury management risk controls for business services, including ACH, wire transfers, and other payment solutions.
• Monitors the quality of the commercial loan portfolio, including risk rating migration, policy exceptions, past due loans, and credit performance trends, and develops and maintains appropriate risk rating and profitability matrix tools in partnership with Finance and executive leadership expectations.

Qualifications

• Bachelor's degree required.
• 10+ years of commercial lending experience, including underwriting complex C&I and CRE loan transactions.
• Minimum 5 years of experience leading or managing credit, underwriting, or commercial lending operations teams.
• Expert knowledge of commercial credit analysis, financial statement analysis, loan structuring, and covenant design required.
• Understanding of treasury management services and associated operational risk controls preferred.