Director, Commercial Credit

PRIMARY RESPONSIBILITIES

• Review and approve commercial credit requests within delegated lending authority.
• Provide guidance and direction on complex commercial credit relationships, including owner-occupied real estate, investment real estate, C&I, construction, and participation loans.
• Ensure financial analysis, cash flow modeling, collateral analysis, and guarantor evaluations are thorough and well documented.
• Maintain high standards for credit presentations and loan approval memorandums.
• Oversee exception tracking and approval processes. Ensure compliance with NCUA regulations, internal policies, and sound commercial lending practices.
•  Assist in maintaining and updating commercial loan policies and underwriting guidelines.
• Coordinate with internal audit, compliance, loan review, and external examiners during examinations and audits.
• Monitor and report key credit risk metrics to executive leadership and committees.
• Identify emerging credit risks and recommend proactive mitigation strategies.
• Support ACL/CECL methodologies and portfolio reporting processes in partnership with finance and risk management teams.

• Lead, mentor, and develop commercial credit staff, fostering a collaborative and accountable culture.
• Establish performance expectations, coaching plans, and professional development opportunities for team members.
• Promote strong communication and partnership between underwriting, lending, operations, and executive leadership.
• Participate in strategic planning and organizational leadership initiatives

• Must comply with applicable laws and regulations, including but not limited to, the Bank Secrecy Act, the Patriot Act, and the Office of Foreign Assets Control.
• Performs other duties as assigned.

QUALIFICATIONS

To perform the job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skills and/or abilities required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION AND EXPERIENCE

• Bachelor’s degree in Finance, Business or related field or a combination of education and experience that provides the necessary skills and knowledge to satisfactorily perform the essential job functions.
• Minimum 10 years of progressive commercial credit and lending experience, preferably within a financial institution or credit union environment.
• Minimum 5 years of leadership or management experience, preferably within commercial credit administration.

SKILLS AND COMPETENCIES

• Strong knowledge of commercial credit principles, financial statement analysis, cash flow analysis, and loan structuring.
• Demonstrated ability to manage portfolio risk and support strategic commercial growth.
• Strong understanding of regulatory compliance, loan policy governance, and credit risk management practices.
• Excellent leadership, coaching, and team development skills.
• Strong written and verbal communication skills, including executive and Board-level presentation abilities.
• Ability to exercise sound judgment and make independent credit decisions.
• Proficient with commercial loan systems, financial analysis software, and Microsoft Office applications.