Sr Director, Credit

About the role

This role provides end-to-end oversight of the underwriting and credit activities for a designated business segment within the Commercial Equipment Finance group, ensuring timely decisioning and consistent application of underwriting standards.

Responsibilities

• Evaluate and approve transactions within assigned credit authority, including structuring and risk assessment of complex financing opportunities
• Provide guidance on transactions requiring escalation, including clear articulation of risks, mitigants, and approval considerations
• Prioritize and coordinate workflow to support efficient underwriting processes and timely decision-making
• Collaborate on strategic initiatives, including new products, portfolio strategies, process improvements, and risk governance enhancements
• Analyze financial performance, key ratios, and transaction structures (e.g., debt service coverage, loan-to-value) to inform credit decisions
• Prepare and/or review comprehensive credit memoranda, ensuring clarity, quality, and completeness of analysis
• Ensure consistent application of underwriting standards, policies, and documentation requirements across transactions
• Contribute to portfolio monitoring and reporting, ensuring accurate and timely assessment of credit performance and risk ratings
• Contribute to workforce planning and operating model discussions to support business growth and evolving portfolio needs

Requirements

• Bachelor’s degree required; concentration in Finance, Accounting, or related field preferred
• 15+ years of relevant experience in credit underwriting, financial analysis, or related disciplines
• Demonstrated credit authority and experience evaluating complex transactions
• Strong financial statement analysis skills and ability to assess risk across a range of structures and industries
• Excellent written and verbal communication skills, including the ability to present to senior stakeholders
• Advanced proficiency in Microsoft Excel and Word; experience with financial analysis tools preferred

Qualifications

• Bachelor’s degree required; concentration in Finance, Accounting, or related field preferred
• 15+ years of relevant experience in credit underwriting, financial analysis, or related disciplines
• Demonstrated credit authority and experience evaluating complex transactions
• Strong financial statement analysis skills and ability to assess risk across a range of structures and industries
• Excellent written and verbal communication skills, including the ability to present to senior stakeholders
• Advanced proficiency in Microsoft Excel and Word; experience with financial analysis tools preferred

Skills

• Financial analysis
• Underwriting
• Risk assessment
• Deal structuring
• Portfolio management
• Strategic planning

Benefits

• Competitive total compensation package, including base salary and bonus plan
• Health insurance
• Dental benefits
• A generous 401(k) match
• Time off benefits

Pay

Competitive total compensation package, including base salary and bonus plan.

Schedule

N/A