AVP, Credit Administration

Description

AVP, Credit Administration leads credit risk and administration across all lending portfolios. Oversees credit oversight, portfolio performance, collections, commercial lending, reporting, and risk analytics. Ensures credit quality, governance, and compliance by aligning production, underwriting, and performance. Partners with senior leaders to deliver clear risk reporting and maintain sound credit practices and reviews. 

Essential Functions

Enterprise Credit Administration

• Lead credit administration across commercial, mortgage, and consumer lending, including front-end credit practices, portfolio oversight, and collections strategy.
• Ensure underwriting standards, approval authorities, exception tracking, and portfolio monitoring processes are consistent with policy, risk appetite, and strategic goals.

Portfolio Risk and Reporting

• Monitor and analyze credit quality trends, concentration levels, delinquency patterns, charge-offs, recoveries, and emerging portfolio risks across all lending channels.
• Develop and maintain key portfolio metrics, concentration reports, and executive dashboards to support timely management and Board reporting.
• Adjust production goals and recommend changes to underwriting standards or portfolio strategies to maintain alignment between growth and asset quality.
• Partner with Finance & Risk leadership on CECL-related analytics, loss forecasting, and reserve discussions.

Commercial Lending Oversight

• Supervise the commercial lending function, including origination support and loan servicing activities, in a small but strategically important commercial department.
• Help develop small business and commercial lending strategies that diversify the loan portfolio and supplement other asset classes.
• Direct commercial annual reviews, including financial analysis, covenant compliance, collateral review, relationship monitoring, and risk rating validation.
• Monitor commercial concentrations and ensure commercial lending administration meets policy and regulatory expectations.

Collections and Workout Management

• Oversee collections, delinquency management, loss mitigation, restructures, modifications, and recovery strategies across all consumer, mortgage, and commercial portfolios.
• Evaluate workout options and recommend appropriate action plans that balance member service, loss mitigation, and policy compliance.
• Monitor collection performance metrics, vendor effectiveness, and legal recovery activity where applicable.

Credit Governance and Compliance

• Maintain the enterprise credit policy framework, including credit standards, concentration limits, delegated authorities, exception management, and credit committee support.
• Ensure compliance with applicable regulatory requirements, including NCUA expectations, consumer lending regulations, fair lending principles, collections requirements, and commercial lending review standards.
• Support internal audit, external audit, and regulatory examinations with strong documentation, issue remediation, and reporting transparency.
• Maintain particular rigor around commercial annual review completion, documentation quality, and ongoing monitoring expectations.

Leadership and Collaboration

• Lead, coach, and develop direct reports and related credit administration staff to strengthen underwriting quality, portfolio discipline, and regulatory readiness.
• Deliver credit training and education across lending functions to ensure consistent interpretation of policy, risk rating, and portfolio expectations.
• Serve as a strategic partner to Lending, Finance, Risk, Compliance, and senior management on portfolio strategy and emerging credit issues.

Other Duties

• Responsible for managing risks specific to related job functions with an expectation to make and support risk-informed decisions and remain diligent in identifying emerging risks that could jeopardize the success of the Credit Union.
• Any other duties as assigned.

Requirements

• Bachelor’s degree in finance, Accounting, Business Administration, Economics, or related field strongly preferred. A minimum of 8-10 years of progressive experience in credit risk management may be accepted in lieu of degree. 
• CCUE, CRCM, or other relevant credit, compliance, or risk certifications preferred.
• 8-10 years of progressive banking or credit union experience in lending and credit risk management, with meaningful exposure to commercial, mortgage, and consumer portfolios.
• Significant experience in underwriting, credit analysis, portfolio management, collections oversight, and executive reporting.
• Demonstrated commercial lending administration experience, including annual reviews, financial statement analysis, covenant monitoring, and risk rating assessment.
• Strong knowledge of credit administration, portfolio risk management, CECL concepts, and loss mitigation practices.
• Deep understanding of NCUA expectations, commercial lending administration, consumer compliance, and examination readiness.
• Advanced analytical, reporting, and communication skills, including the ability to present portfolio risk clearly to executive leadership and the Board.
• Ability to connect production planning, asset quality, concentration management, and regulatory compliance into a unified management framework.
• Minimum of five years’ experience supervising teams and influencing cross-functional partners in a regulated financial institution environment.  

Physical Requirements 

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit, use hands to finger, handle or feel, reach with hands and arms, and talk or hear. The employee is occasionally required to stand, walk, bend, kneel, and reach above or at shoulder level. The employee must occasionally lift/push/pull and/or carry up to 10 pounds.