Senior Commercial Credit Administrator

Position Purpose

Assumes responsibility for advanced commercial credit underwriting and analysis. Independently underwrites complex commercial loan requests, including new originations, renewals, modifications, and extensions. Conducts in-depth analysis of income-producing real estate, construction lending, and business operating loans in accordance with REV FCU lending policy. Supports commercial lending decision-making and governance. Performs site inspections and borrower interviews as required to support underwriting conclusions.

Responsibilities

• Analyzes borrower financial statements, tax returns, cash flow, global debt service coverage, collateral valuation, guarantor strength, and industry risk.
• Structures credit facilities to mitigate risk, including covenants, collateral requirements, guarantees, and loan conditions.
• Supports commercial lending decision-making and governance. Prepares clear, well-supported written credit memorandums with risk ratings and recommendations.
• Presents loan requests to the Business Loan Committee and provides expert credit guidance.
• Recommends approvals, counteroffers, or declines within established lending authority and policy limits.
• Assists with waiver requests and policy exceptions for Board or committee consideration.
• Provides subject-matter expertise on complex or higher-risk credits.
• Assumes responsibility for ongoing portfolio credit quality and risk management.
• Conducts annual reviews and ongoing credit monitoring for the overall commercial portfolio.
• Identifies emerging credit risk, trends, and early warning signs within the portfolio.
• Participates in loan downgrades, risk rating adjustments, and problem loan strategies.
• Ensures appropriate documentation and credit support for long-term or complex credit structures.
• Ensures compliance with lending policy and regulatory standards.
• Ensures underwriting decisions comply with internal lending policies, NCUA regulations, and safe and sound banking practices.
• Serves as a senior credit resource and collaborator. Provides guidance and support to relationship managers, processors, and the underwriting team regarding credit structure and risk considerations.
• Supports internal audits, external audits, and regulatory examinations by providing underwriting documentation and explanations.
• Maintains thorough, accurate, and well-documented credit files.
• Supports the efforts to sell loan participations, which may include loading them to the participation portal, document execution, and ensuring annual reviews are timely and submitted to participating lenders.
• Remains current on changes in commercial lending, underwriting standards, and regulatory guidance.

Qualifications

• Minimum of seven years of progressive commercial lending or underwriting experience.
• Demonstrated experience underwriting complex commercial and real estate credits.
• Experience presenting credit recommendations to loan committees or senior leadership.
• Experience with problem loan identification and resolution preferred.
• Expert financial analysis and cash flow modeling skills.
• Strong written and verbal communication abilities.
• Experience with Abrigo and Built software a plus.
• High level of independent judgment and attention to detail.
• Ability to balance growth objectives with prudent risk management.
• Professional demeanor when working with internal partners, borrowers, and regulators.