SVP, Senior Credit Officer

Georgia's Own Credit Union•Hybrid, GA

2d•Hybrid

About The Position

The SVP, Senior Credit Officer - Commercial Lending provides senior leadership for commercial credit risk, underwriting, and portfolio risk management. The role is the Chief Credit Officer's primary strategic and execution partner for commercial credit, translating enterprise credit strategy and standards into consistent commercial credit practices. The SVP leads commercial underwriting and portfolio management, exercises credit approval authority within established limits, maintains portfolio risk discipline, and supports the CCO on regulatory, policy, governance, and other commercial credit matters. This leader oversees commercial credit risk across the lending portfolio, ensures effective coordination among underwriting, portfolio management, and credit analysis, and provides senior credit judgment on complex or higher-risk requests. The role also supports regulatory examinations, audits, loan reviews, policy and procedure development, enterprise credit initiatives, and commercial credit talent development. The position has a flexible hybrid work arrangement, combining in-office collaboration with remote work.

Requirements

Bachelor’s degree in business administration, Finance, Accounting, Statistics, or a related field.
At least 15 years of banking or financial industry experience.
At least 15 years of credit experience, with emphasis on commercial and business lending.
Extensive, progressively responsible commercial credit, underwriting, and portfolio management experience at a bank or credit union, including substantial leadership responsibility.
Demonstrated experience in commercial credit approval, risk ratings, management of criticized and classified assets, credit concentrations, and regulatory expectations for credit risk management.
Thorough knowledge of single-family residential, consumer, and commercial banking products and processes, vendor relationships, and accounting principles.
Knowledge of current laws and regulations governing financial institutions, including credit unions, loan documentation requirements, and applicable investment restrictions.
Proficiency in Windows-based applications and related computer skills; proficiency in Microsoft Office and experience with Excel.
Excellent written, verbal, interpersonal, negotiation, and influencing skills, including the ability to communicate with executive management, stakeholders with diverse backgrounds and expertise, and state and federal examiners and regulators.
Strong problem-solving, analytical, and decision-making skills, attention to detail, and drive for results.
Ability to work in a fast-paced, high-pressure financial industry environment.
Ability to perform the essential duties satisfactorily, with reasonable accommodations where applicable.
For lending responsibilities, compliance with SAFE Act requirements and Credit Union policies and procedures, including keeping NMLS registration current and notifying the Credit Union within 30 days of changes that need to be reflected in the registry.

Nice To Haves

Master of Business Administration.
Experience across a wide range of real estate and C&I businesses.
Experience developing credit frameworks and policies, evaluating risks in complex credit transactions, and developing or operating quantitative tools, including models.

Responsibilities

Lead commercial credit risk management across the commercial lending portfolio in accordance with enterprise credit strategy, approved risk appetite, policy, and regulatory expectations.
Provide senior leadership to the Director of Underwriting and Director of Portfolio Management and coordinate underwriting, portfolio management, and credit analysis.
Oversee the quality, consistency, and timeliness of commercial underwriting, credit analysis, risk rating, and portfolio management.
Exercise delegated commercial credit approval authority and provide senior credit judgment on complex, material, or higher-risk credit requests.
Ensure appropriate monitoring and active management of portfolio concentrations, criticized and classified assets, covenant performance, risk-rating migration, emerging risks, and action plans.
Support the CCO with timely commercial portfolio risk reporting, analysis, and escalation of material trends or concerns.
Partner with Portfolio Management leadership to provide forward-looking portfolio intelligence and manage deteriorating or higher-risk relationships.
Lead or materially support commercial credit work for regulatory examinations, internal audits, loan reviews, and other independent reviews, including preparation, issue response, and remediation.
Support development, review, and implementation of commercial credit policies, underwriting standards, approval authorities, and related procedures.
Serve as a senior commercial credit resource to lending leadership and relationship teams, providing independent credit perspective while supporting sound, sustainable business execution.
Support the CCO in enterprise credit initiatives affecting commercial lending, including governance, data and reporting improvements, process changes, and credit risk projects.
Develop commercial credit talent and succession depth across underwriting, portfolio management, and credit analysis, setting expectations for judgment, accountability, technical quality, and professional development.
Represent commercial credit in senior leadership, credit, and governance forums and act for the CCO on commercial credit matters when delegated.