DIRECTOR OF COMMERCIAL CREDIT

About the role

Director of Commercial Credit 7 17 Credit Union is seeking an experienced Director of Commercial Credit to lead our Commercial Credit function and support the continued growth of our commercial lending portfolio. This is a hands-on leadership role responsible for overseeing the commercial credit and underwriting function while maintaining a personal pipeline of commercial loan requests. The Director will lead a team of commercial underwriting professionals, partner closely with Commercial Relationship Managers and senior leadership, and provide sound credit analysis and risk assessment to support responsible lending decisions. The ideal candidate brings extensive commercial credit and underwriting experience, strong leadership skills, sound business judgment, and a passion for developing people and improving processes. This position will also play an important role in strengthening commercial credit policies and procedures and advancing technology solutions that improve efficiency and the experience of our business members.

At 7 17 Credit Union, you'll have the opportunity to make a meaningful impact on the growth of our commercial lending organization while helping local businesses and communities thrive. We believe strong teams are built through collaboration, development, and shared success. In this role, you'll have the opportunity to influence commercial credit strategy, develop talented professionals, improve processes and technology, and help shape the future of our commercial lending operation.

Responsibilities

• Lead the day-to-day commercial credit function and oversee the department's underwriting pipeline.
• Maintain a personal underwriting pipeline and ensure loan requests are reviewed accurately and within established turnaround expectations.
• Partner with Commercial Relationship Managers to structure new loan opportunities and provide credit guidance throughout the lending process.
• Conduct due diligence, financial statement analysis, cash flow analysis, financial projections, and comprehensive credit risk assessments.
• Underwrite commercial real estate and non-real estate loans and accurately risk-rate proposed loans using all available information.
• Prepare detailed Credit Approval Memorandums outlining financial trends, key risks, mitigating factors, and recommendations.
• Approve loans within established individual lending authority and present credit requests to the appropriate loan committee.
• Participate in prospect and member calls with Commercial Relationship Managers as needed.
• Prepare and present reports for the Special Asset Committee, including troubled member business loans and quarterly commercial loan reporting.
• Help build out SBA lending and serve as a subject matter expert for SBA loans within the Commercial Lending department.
• Assist with the annual commercial loan review process.
• Lead, coach, and develop team members involved in commercial loan underwriting.
• Establish performance expectations, provide ongoing feedback, and conduct annual performance evaluations.
• Identify training needs and develop and maintain a comprehensive training program for the Commercial Credit team.
• Conduct regular team meetings to communicate priorities, business updates, and service expectations.
• Develop career development plans and provide opportunities for team members to expand their knowledge and skills.
• Foster a collaborative team environment focused on accuracy, efficiency, accountability, and exceptional member service.
• Partner with Commercial Lending leadership to establish annual and long-term goals that support the Credit Union's strategic objectives.
• Ensure commercial credit proposals and underwriting practices comply with Board policy, NCUA regulations, and applicable requirements.
• Help develop, evaluate, and implement commercial credit products, policies, procedures, and underwriting guidelines.
• Provide backup support for Commercial Credit functions as needed