Vice President - Commercial Lending, Align Credit Union, Lowell, MA

About the role

The Vice President of Commercial Lending leads the Credit Union's commercial lending function, overseeing business development, commercial member relationships, loan growth, deal structuring, and overall department performance. Reporting to the Chief Lending Officer, the VP partners with the Commercial Credit Portfolio Manager, Commercial Lending Generalist, Risk Management, and Octant to drive responsible growth while maintaining strong credit quality, risk management, and regulatory compliance.

Responsibilities

• Provide leadership for business development, loan production, relationship management, team priorities, and growth objectives.
• Develop new commercial loan and deposit relationships, expand existing relationships, build referral sources, and represent the Credit Union in the business community.
• Serve as the primary relationship leader for key commercial members and prospects, identifying lending, deposit, and other financial service opportunities.
• Manage opportunities from initial discussion through closing. Partner with the Commercial Credit Portfolio Manager and Octant to structure appropriate terms, pricing, collateral, guarantees, and covenants.
• Supervise the Commercial Lending Generalist and provide functional oversight and coordination with the Commercial Credit Portfolio Manager.
• Oversee service levels, workflows, communication, turnaround times, and performance while partnering on underwriting, annual reviews, and credit matters.
• Review growth, concentrations, delinquencies, criticized assets, risk-rating changes, policy exceptions, and emerging risks, working with leadership to address concerns.
• Participate in credit decisions and develop strategies for significant criticized, delinquent, or higher-risk relationships in coordination with the CLO, Portfolio Manager, Risk Management, and Octant.
• Support commercial lending strategy, pricing, products, portfolio composition, concentration management, staffing, CUSO utilization, and lending policies. Provide updates and recommendations to management and lending committees.

Requirements

• 5–8 years of progressively responsible commercial lending, business development, relationship management, or related lending experience, including leadership experience.
• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or a related field preferred. Equivalent experience and professional education may be considered.
• Strong knowledge of commercial lending, loan structuring, business financial statements, credit risk, commercial real estate, and business lending.
• Demonstrated business development and relationship management skills.
• Strong leadership, communication, negotiation, decision-making, and organizational skills.
• Ability to collaborate effectively with credit, risk, operations, CUSO partners, senior management, and commercial members.

Pay

The expected base pay range is $94,000–$118,000 annually. Compensation may vary based on experience, skills, competencies, and certifications.

Schedule

Hybrid position requiring 1–2 days per week onsite in Lowell, MA.