Senior Middle Market Credit Lead

Maintain an enterprise level view of portfolio risk

Maintain an enterprise level view of portfolio risk with ownership of portfolio themes and risk outcomes across a Regional or Industry portfolio, ensuring proactive, disciplined portfolio management.

Act as the primary point of escalation

• Act as the primary point of escalation for complex, higher risk, or sensitive credit situations and lead resolution and risk decisioning in partnership with senior stakeholders.

Partner with Banking leadership

• Partner with Banking leadership (Regional Presidents, Group Heads, or Coverage Leaders) to understand business strategy, growth objectives, and pipeline dynamics.

Review deal structures, assess borrower viability, and advise on term sheets

• Review deal structures, assess borrower viability, and advise on term sheets.

Maintain a forward-looking, independent assessment

• Maintain a forward-looking, independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks.

Drive credit excellence metrics

• Drive credit excellence metrics, including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, and timely remediation of issues.

Ensure consistent application of credit policy

• Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across teams.

Lead portfolio reviews, risk discussions, and escalations

• Lead portfolio reviews, risk discussions, and escalations with Credit Risk, Credit Risk Review, and Senior Management.

Oversee portfolio reporting

• Oversee portfolio reporting and ensure delivery of clear, actionable insights and recommendations to senior stakeholders.

Engage with clients and prospects

• Engage with clients and prospects as needed, particularly in complex or escalated credit situations.

Establish workflow priorities and resource alignment

• Establish workflow priorities and resource alignment to support effective execution across deal and portfolio activities.

Champion continuous improvement initiatives

• Champion continuous improvement initiatives, special projects, and strategic enhancements to credit and portfolio management processes and systems.

Ensure system integrity, documentation accuracy, and regulatory compliance

• Ensure system integrity, documentation accuracy, and regulatory compliance across the portfolio.

Supervisory Responsibility

• Includes the direct and indirect supervision and direction of the day-to-day activities of Credit Solutions professionals.

Provide performance feedback

• Responsible for providing employees with timely, candid, and constructive performance feedback.

Develop employees

• Develop employees to their fullest potential and provide challenging opportunities that enhance employee career growth.

Ensure succession planning

• Ensure adequate bench strength and succession planning.

Reward employees

• Recognize and reward employees for accomplishments.

Qualifications

• Bachelor’s degree in Business, Finance, Accounting, or related field required; advanced degree preferred.
• Minimum of 10 years of experience in commercial credit, portfolio management, underwriting, or credit risk leadership.
• Advanced expertise in commercial credit underwriting, structuring, portfolio management, and legal documentation.
• Demonstrated experience leading and developing high performing credit teams.
• Proven ability to maintain a forward-looking view of portfolio risk and proactively identify emerging credit issues.
• Deep knowledge of commercial lending policies, regulatory requirements, and risk governance frameworks.
• Strong communication and influence skills across senior internal stakeholders.
• Excellent analytical, organizational, and decision making capabilities, including comfort operating in complex or ambiguous environments.
• Proficiency with internal banking systems and Microsoft Office tools.