Vice President, Credit – USDA OneRD Lending

Peachtree Group•Atlanta, GA

About The Position

The Vice President of Credit – USDA will serve as the senior credit authority for Peachtree Group's USDA OneRD lending platform. This individual will oversee the full credit lifecycle — from underwriting through closing — and will play a central role in shaping credit policy, managing risk, and driving the growth of the USDA lending business. The role requires deep, hands-on expertise in USDA OneRD programs and a demonstrated ability to lead cross-functional teams in a fast-paced lending environment.

Requirements

Minimum 8–10 years of experience in USDA OneRD lending, with direct responsibility for credit underwriting, approval, and loan closing
Deep familiarity with USDA OneRD programs (B&I, CF, REAP, or similar); working knowledge of USDA lender regulations, conditional commitments, and guarantee structures
Strong financial modeling and credit analysis capabilities; experience presenting to credit committees
Demonstrated experience managing underwriting or credit teams
Bachelor's degree in Finance, Real Estate, Business, or a related field required
Excellent written and verbal communication skills; ability to manage relationships with government agencies, borrowers, and internal stakeholders

Nice To Haves

MBA or equivalent advanced degree preferred

Responsibilities

Lead the underwriting and credit approval process for USDA OneRD loan transactions, including Business & Industry (B&I), Community Facilities (CF), and Rural Energy for America Program (REAP) loans
Conduct thorough credit analysis, including cash flow modeling, collateral evaluation, borrower financial assessment, and risk rating
Author and present credit memoranda to senior leadership and credit committees
Establish and maintain credit underwriting standards consistent with USDA program guidelines and internal risk appetite
Oversee the closing process for USDA OneRD transactions, coordinating with legal counsel, borrowers, and USDA agency contacts to ensure timely and compliant closings
Review and approve loan documentation, conditions precedent, and closing checklists
Manage relationships with USDA state and national offices throughout the approval and closing process
Monitor the performance of the USDA loan portfolio, identifying emerging credit risks and recommending remediation strategies
Ensure ongoing compliance with USDA program requirements, lender agreements, and internal credit policies
Prepare and present portfolio reporting to senior management
Manage and mentor a team of credit analysts and underwriters
Collaborate with originations, legal, compliance, and asset management teams
Contribute to the strategic development of the USDA lending platform, including process improvements and product expansion