Director of Credit Policy and Loan Review

Zachary Piper Solutions is seeking a Director of Credit Policy and Loan Review to lead enterprise-wide credit policy and loan review functions for a leading credit union. This role is responsible for establishing and maintaining consumer, residential, and commercial credit policies, executing independent loan reviews, and providing objective assessments of portfolio credit quality and risk governance. This position will be onsite in Hauppauge, NY.

Responsibilities of the Director of Credit Policy and Loan Review include:

• Develop, implement, communicate, and maintain comprehensive credit policies and procedures across consumer, residential, and commercial lending
• Lead a robust loan review program, including sample-based testing for compliance with underwriting standards and credit policy
• Perform regular credit portfolio reviews to assess credit quality, documentation integrity, and adherence to risk appetite
• Monitor portfolio performance, identify trends, concentrations, and emerging risks, and recommend corrective actions
• Prepare detailed reporting and presentations for senior management and Credit Risk and Fair Lending Committee
• Provide effective oversight and independent challenge of lending practices and credit decisions
• Communicate review findings, inconsistencies, and policy gaps to loan officers, underwriters, and lending leadership
• Partner closely with loan originations, underwriting, and loan operations to ensure consistent policy execution
• Support audits, regulatory examinations, and risk governance initiatives
• Serve as a key advisor to leadership on enterprise initiatives impacting credit risk
• Perform all duties inherent to a manager, including staff oversight, coaching, and development
  
  

Required Qualifications for the Director of Credit Policy and Loan Review:

• Bachelor’s degree in Business, Finance, Risk Management, Accounting, or equivalent experience (minimum seven years)
• Minimum seven years of experience within a bank or credit union environment
• At least five years of experience in credit policy, loan review, underwriting, credit analysis, or related discipline
• Underwriting experience in commercial and/or residential lending
• Proven experience writing, managing, and governing lending policies and procedures
• Minimum three years of leadership or people-influencing experience
• Strong knowledge of credit risk management and loan portfolio evaluation
  
  

Preferred Skills:

• Formal credit risk training or professional certification
• Experience leading consumer credit strategy across auto, personal, or specialty lending products
• Exposure to credit analytics, portfolio performance monitoring, and risk modeling
• Experience supporting credit committees, securitizations, or investor reporting
• Familiarity with advanced analytics or emerging risk-monitoring tools
  
  

Compensation for the Director of Credit Policy and Loan Review includes:

• Salary Range: $150,000 – $170,000 annually (based on experience)
• Full Benefits: Medical, Dental, Vision, 401k, Paid Time Off, Federal Holidays, Fully-Funded Pension Plan, Tuition Reimbursement, and Employee Loan Rate Discounts
  
  

credit policy, loan review, loan portfolio, credit risk, underwriting, commercial lending, residential lending, consumer lending, credit analysis, credit review, loan review program, credit union, banking, regulated financial institution, fair lending, credit risk governance, portfolio monitoring, credit quality, credit procedures, underwriting standards, loan documentation, compliance, audits, regulatory examinations, credit reporting, risk appetite, loan performance, commercial real estate lending, CRE lending, mortgage lending, consumer lending products, portfolio analytics, risk management, credit policy governance, policy development, policy maintenance, credit certifications, credit risk training, Basel, OCC, NCUA, CFPB, financial risk, loan governance, independent loan review, risk oversight, credit audit, credit review manager, director credit policy, director loan review