AVP of Commercial Services

Triangle Credit Union•Nashua, NH

19d•Hybrid

About The Position

This position supports the Chief Lending Officer (CLO) in driving business growth, providing strategic insights on market opportunities and product development. Operational oversight for the Commercial Services department. Managing loan portfolios, ensuring strong quality credit, maintaining regulatory compliance, developing and maintaining commercial relationships and providing excellent member service. The AVP serves as a leader in the department, mentoring sales staff and acting as a resource for the platform.

Requirements

Five years to eight years of similar or related experience. Progressively responsible experience in commercial lending, including leadership and supervisory experience.
(1) A bachelor's degree, or (2) achievement of formal certifications recognized in the industry as equivalent to a bachelor's degree (e.g., information technology certifications in lieu of a degree).
Work involves extensive personal contact with others and is of a personal or sensitive nature. Motivating, influencing, and/or training others is key at this level. Outside contacts become important and fostering sound relationships with other entities (companies and/or individuals) becomes necessary and often requires the ability to influence and/or sell ideas or services to others.
Must have experience in analyzing business financial statements and assessing the viability of businesses; must have excellent communication and PR skills; ability to use related software required. Assist in data input and maintenance of loan files, Supply critical reports ie. credit reports, UCC statements, insurance policies and mortgage instruments. Strong communication, presentation and negotiation skills. Proficient with lending systems and related software. Ability to interpret regulatory guidance and apply to lending practices.

Responsibilities

Commercial Lending & Portfolio Management
Originate, structure, and manage complex commercial loan relationships.
Analyze financial statements, cash flow, collateral, and risk, making sound credit recommendations.
Approve loans within delegated authority and present larger or higher-risk credits for committee or senior approval.
Monitor portfolio performance and proactively address credit quality concerns.
Leadership & Staff Development
Provide leadership, coaching, and mentorship to Commercial Services staff.
Assist with onboarding, training, and ongoing development of team members.
Promote a culture of trust, accountability, collaboration, and high performance. Per The Advantage Model philosophy.
Serve as acting department leader in the absence of the Chief Lending Officer as needed
Business Development & Member Relationships
Develop, maintain strong relationships with business members, referral sources, and community partners.
Participate in business development activities to grow commercial loans and business deposits. Partner with the Business Development Officer and Sales Department to expand and train services.
Represent Triangle Credit Union in community and professional organizations.
Compliance, Policy & Risk Management
Ensure adherence to credit union policies, lending guidelines, and regulatory requirements.
Stay current on commercial lending trends, SBA programs, and regulatory changes.
Partner with risk management, collections, and audit teams to address exceptions and findings.
Strategic & Operational Support
Assist in the development and execution of departmental goals, strategies, and initiatives.
Support process improvement efforts to enhance efficiency, member experience, and risk controls.
Participate in budgeting, forecasting, and reporting activities
Performs other related duties, as assigned.