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