Job Description
CLASSIFICATION: Exempt
REPORTS TO: Chief Credit Officer
DATE: March 4, 2026
JOB DESCRIPTION
Summary/Objective
Responsible for leading and overseeing regional credit analysis activities, ensuring sound credit risk management, compliance with loan policy, and timely underwriting support to commercial lending partners. This role supervises a regional team of credit analysts and plays a key role in credit risk review, policy interpretation, and senior credit committee presentations.
Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
- Perform and review credit analysis for commercial and business loan requests in accordance with loan policy.
- Review loan structures and recommend appropriate covenants and structural modifications to mitigate risk.
- Exercise independent authority to recommend loans outside of policy guidelines when warranted.
- Lead credit risk management activities including stress testing, financial analysis, and risk rating reviews.
- Provide credit policy interpretation and guidance to commercial lending partners.
- Collaborate with senior credit leadership to propose loan policy enhancements and updates.
- Mentor banker/underwriters/portfolio managers.
Other Duties
- Support lending staff with loan presentations and documentation within credit systems.
- Assist in preparing quarterly and ad hoc credit and financial reports.
- Stay current on regulatory guidance, loan policy changes, and market conditions.
- Perform other duties as assigned.
Skills/Abilities
- Advanced commercial credit underwriting and financial analysis skills.
- Strong leadership, mentoring, and team management capabilities.
- Advanced proficiency in Microsoft Excel; working knowledge of Word and Outlook.
- Strong analytical, critical thinking, written, and verbal communication skills.
- Ability to manage a high volume of transactions in a fast-paced, results-driven environment.
Supervisory Responsibility
This position does not have supervisory responsibilities.
Work Environment
This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.
Physical Demands
This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.
Travel
Footprint wide travel may be required and regular visits to clients/prospects in market territory.
Education and Experience
- Bachelor’s degree in Business, Accounting, Finance, or a related field required.
- Five or more years of commercial credit underwriting, auditing, or tax preparation experience required.
- Prior management or supervisory experience preferred.
- Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.
Equal Employment Opportunity/M/F/disability/protected veteran status
Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.