Director of Credit Administration

Job Overview

The Director of Credit Administration serves as a strategic and operational leader within the Lending Department, responsible for coordinating efforts across all lending groups to ensure seamless execution of internal, external, and regulatory examinations. This role oversees lending systems administration, vendor relationships, credit policy management, and serves as the primary liaison for board-level and internal reporting. The position also plays a key role in cross-functional collaboration with Marketing and Product teams, manages loan participations, oversees the SBA Loan Servicing Provider (LSP) relationship, supports geographic expansion efforts, and leads lending-related merger activities.

Responsibilities

Regulatory & Exam Coordination

• Lead and coordinate responses to internal audits, external reviews, and regulatory examinations across all lending functions.
• Ensure timely and accurate documentation, data gathering, and communication with examiners and auditors.
• Partner with Compliance and Risk teams to maintain readiness and implement corrective actions as needed.

Credit Policy & Procedure Management

• Maintain and update credit policies and lending procedures in alignment with regulatory requirements and strategic goals.
• Collaborate with lending leaders to ensure policies reflect current practices and risk appetite.
• Facilitate training and communication of policy changes across lending teams.
• Monitor adherence to credit policies and escalate exceptions or trends as appropriate.

Lending Systems & Vendor Management

• Assist in the administration and optimization of lending systems and platforms used across the credit union.
• Collaborate with IT and third-party vendors to ensure system integrity, performance, and compliance.
• Manage vendor relationships, including contract oversight, service level agreements, and issue resolution.

Reporting & Analytics

• Own the development and delivery of lending-related reports for the Board of Directors, executive leadership, and internal stakeholders.
• Analyze lending performance metrics and trends to support strategic decision-making.
• Maintain dashboards and reporting tools that provide visibility into loan production, portfolio health, and operational efficiency.

Cross-Functional Collaboration

• Act as a central point of contact between consumer, mortgage, commercial, and indirect lending teams.
• Partner with Marketing and Product teams to support lending initiatives, campaigns, and member communications.
• Coordinate product launches, rate changes, and promotional efforts to ensure alignment with lending strategy.

Loan Participations & SBA LSP Oversight

• Manage the credit union’s loan participation program, including onboarding, tracking, and reporting of participated loans.
• Ensure compliance with participation agreements and monitor performance of participated assets.
• Serve as the primary liaison with the SBA Loan Servicing Provider (LSP), overseeing service delivery, reporting, and issue resolution.
• Support SBA lending initiatives and ensure alignment with internal policies and regulatory requirements.

Market Expansion & Merger Activity

• Coordinate lending-related efforts in opening new geographic markets in collaboration with channel leaders.
• Support strategic planning, operational readiness, and product alignment for market entry.
• Serve as the point person for lending integration during mergers and acquisitions, including due diligence, systems alignment, and policy harmonization.
• Ensure continuity of lending operations and member experience throughout merger transitions.

Qualifications and Education Requirements

• Bachelor’s degree in Business, Finance, or related field (Master’s preferred).
• Minimum 10 years of experience in lending operations, credit union or banking environment.
• Experience with lending systems administration, credit policy management, loan participations, and regulatory exam coordination strongly preferred.

Additional Skills/Notes

• Strong understanding of lending regulations, credit risk, and compliance requirements.
• Excellent organizational and project management skills.
• Advanced proficiency in data analysis and reporting tools (Excel, Power BI, etc.).
• Exceptional communication and stakeholder management abilities.
• Ability to collaborate effectively across departments and with external partners.
• Strategic mindset with operational execution skills, especially in growth and integration scenarios.

Performance Measurements

Performance is based on the Citadel corporate scorecard as well as departmental and individual goals.

Work Environment

This position will be in an office environment with most work done on a computer.

The noise level in the work environment is usually moderate. Employees may experience swings in work-related demands placed upon them by members. Any necessary accommodations will be provided.

Physical Demands

The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform the essential functions of this position. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The employee will regularly lift and/or move up to ten pounds. The employee will regularly sit; talk; hear; use hands to finger, handle, or feel; and reach with hands and arms. The employee will occasionally stand. Special vision requirements include close vision and the ability to adjust focus. The noise level in the work environment is usually moderate.

EEO Statement

Citadel is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to status as a protected veteran or a qualified individual with a disability, other protected status, such as race, religion, color, national origin, sex, age. We maintain a drug-free workplace and may perform pre-employment substance abuse testing.

Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.