Director of Credit

A commercial bank with over $3 billion in assets is seeking a senior Director of Credit Underwriting to lead and oversee the credit underwriting function, ensuring consistent application of loan policy while supporting business growth objectives.

Key Responsibilities

• Lead the credit underwriting department, managing workflow, turnaround times, and service level expectations across all commercial loan types (CRE, C&I, SBA, and specialty finance)
• Manage and develop a team of 7 underwriters, including hiring, training, and performance management
• Serve as a deal structuring resource — identify and approve loan policy exceptions, ensure concentration limit and regulatory compliance, and support complex transaction analysis
• Establish, implement, and monitor internal controls to minimize credit risk in collaboration with Risk Management and lending teams
• Drive adoption of credit decision technology and analytics tools to improve efficiency and risk accuracy
• Prepare and present materials for the Directors Loan Committee and Board-level reporting
• Participate in audits, regulatory examinations, and loan reviews as needed

Requirements

• 10+ years of commercial credit experience at a bank
• Formal credit training through a bank program or relevant education
• Minimum 7 years of direct team leadership experience
• Advanced proficiency in financial statement analysis, cash flow analysis, and global cash flow assessment
• Strong working knowledge of FDIC guidance and commercial lending regulations