Vice President, Credit – USDA OneRD Lending

Credit & Underwriting

Lead the underwriting and credit approval process for USDA OneRD loan transactions, including Business & Industry (B&I), Community Facilities (CF), and Rural Energy for America Program (REAP) loans.
Conduct thorough credit analysis, including cash flow modeling, collateral evaluation, borrower financial assessment, and risk rating.
Author and present credit memoranda to senior leadership and credit committees.
Establish and maintain credit underwriting standards consistent with USDA program guidelines and internal risk appetite.

Loan Closing & Execution

Oversee the closing process for USDA OneRD transactions, coordinating with legal counsel, borrowers, and USDA agency contacts to ensure timely and compliant closings.
Review and approve loan documentation, conditions precedent, and closing checklists.
Manage relationships with USDA state and national offices throughout the approval and closing process.

Portfolio & Risk Management

Monitor the performance of the USDA loan portfolio, identifying emerging credit risks and recommending remediation strategies.
Ensure ongoing compliance with USDA program requirements, lender agreements, and internal credit policies.
Prepare and present portfolio reporting to senior management.

Leadership & Team Development

Manage and mentor a team of credit analysts and underwriters.
Collaborate with originations, legal, compliance, and asset management teams.
Contribute to the strategic development of the USDA lending platform, including process improvements and product expansion.