Credit Lead

City National Bank • Los Angeles, CA

10d

About The Position

The Credit Lead oversees credit portfolios within an assigned region, industry, or credit line. The role may manage a portfolio directly, participate in transactions, and act as an escalation point on other transactions. It is accountable for the quality and oversight of credits managed by assigned Portfolio Managers, Credit Associates, and Credit Analysts, including credit adjudication within delegated credit authorities.

Reporting to the Credit Manager, the Credit Lead manages day-to-day portfolio activities and colleagues’ workflows to ensure accurate, high-quality work is delivered within cycle times. Depending on team structure, the role may have direct reports. Regardless of reporting lines, the Credit Lead is expected to coach and train colleagues, understand colleagues’ portfolios to balance workloads and allocate new credits, and periodically review work products and provide feedback.

The role leads credit analysis, underwriting, portfolio management, performance monitoring, and risk management; supports business growth and strategic initiatives; collaborates with cross-functional teams; and stays informed about industry trends, regulatory changes, and competitor activity.

Requirements

• Bachelor’s degree or equivalent in Finance, Business, or a related field.
• At least 8 years of progressively increasing credit underwriting and portfolio management experience in relevant industries.
• At least 3 years of leadership and coaching experience in underwriting or credit management, including informal experience.
• Advanced experience in credit management and lending operations, with a strong understanding of risk management principles.
• Proven leadership and coaching skills, with the ability to train and develop talent.
• Excellent communication and collaboration skills, including the ability to work effectively with senior leadership and cross-functional teams.
• Strong analytical skills and the ability to interpret complex data and make informed decisions.
• Industry-specific knowledge and expertise.

Responsibilities

• Lead and manage a team of Credit Solutions colleagues, providing functional guidance, risk management coaching, and performance management.
• Oversee credit analysis, underwriting, and portfolio management for the assigned industry, region, or credit line, ensuring alignment with organizational goals and risk practices.
• Participate in initial assessments of new credits, subsequent credit approval discussions, and management of team workflows.
• Monitor and analyze portfolio performance.
• Ensure effective risk management practices, high credit quality and origination standards, and compliance with institutional and regulatory requirements.
• Drive business growth through strategic planning, market analysis, and identification of new opportunities.
• Collaborate with cross-functional teams and participate in or lead ad-hoc projects supporting organizational priorities.
• Stay informed about industry trends, regulatory changes, and competitor activities and assess their potential impacts.
• Train, develop, manage, and coach team members through formal and informal talent management activities.
• Manage day-to-day portfolio activities and colleagues’ workflows to ensure accurate, high-quality work is delivered within cycle times.
• Maintain knowledge of colleagues’ portfolios to support balanced workloads and assignment of new clients and credits.
• Periodically review samples of colleagues’ work products and provide feedback.
• Perform credit adjudication within delegated credit authorities.

Benefits

• Comprehensive healthcare coverage, including Medical, Dental, and Vision plans, available the first of the month following start date.
• Generous 401(k) company matching contribution.
• Tuition reimbursement and internal upskilling and training resources.
• Vacation, sick, and volunteer time.
• Fertility benefits and cancer, diabetes, and musculoskeletal support programs.
• Career mobility support from a dedicated recruitment team.
• Colleague Resource Groups for networking and community engagement.
• Eligible for bonus and/or commissions.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior