VP Commercial Credit Administration
About The Position
The VP - Commercial Credit Administration is a highly visible leadership role responsible for leading the Commercial Credit team and overseeing the day-to-day effectiveness of the Commercial Credit function. The position provides an independent credit perspective on complex transactions, participations, syndications, and portfolio risk, while balancing sound risk management with business needs. The role oversees team development, underwriting standards, credit decisioning, workflows, resource allocation, capacity planning, and process improvement. It partners closely with the VP - Commercial Credit Officer on credit strategy, policy administration, organizational development, and continuous improvement.
Requirements
- Bachelor’s degree in Finance, Accounting, Business Administration, or a related field.
- Significant experience in commercial credit, underwriting, or credit administration, including experience with complex commercial transactions.
- Strong knowledge of commercial credit analysis, loan structuring, portfolio risk, concentration management, and credit governance.
- Experience evaluating loan participations and/or syndicated credit opportunities.
- Demonstrated leadership experience, including coaching, performance management, talent development, and succession planning.
- Strong independent judgment and confidence to appropriately challenge credit assumptions and recommendations.
- Ability to balance credit quality and risk management with broader business objectives.
- Collaborative leadership style and ability to build strong partnerships across Commercial Lending and other organizational areas.
- Continuous-improvement mindset and experience improving workflows, processes, or team effectiveness.
Nice To Haves
- Completion of a formal commercial credit training program or equivalent credit qualification.
- Risk Management Association Credit Risk Certification (CRC).
Responsibilities
- Lead, coach, and develop the Commercial Credit team; set clear expectations and support performance, career growth, and succession planning.
- Champion strong underwriting standards and consistent credit decisioning across the department.
- Serve as an independent credit reviewer for complex commercial transactions, including participation purchases and syndication opportunities.
- Evaluate credit quality, counterparty strength, portfolio fit, concentration risk, risk-adjusted return, and alignment with FAIRWINDS' risk appetite.
- Provide recommendations on credit structure, exposure management, participation and syndication opportunities, and portfolio-related risk.
- Oversee Commercial Credit workflows, resource allocation, capacity planning, and process improvements as business needs evolve.
- Partner with the VP - Commercial Credit Officer on credit strategy, policy administration, organizational development, and continuous improvement.
- Improve the effectiveness of the Commercial Credit function while balancing sound risk management with business needs.
Benefits
- 11 paid holidays and generous paid time off.
- 6% 401(k) match.
- $700 annual contribution to a Health Savings Account.
- Comprehensive maternity leave program.
- Medical, dental, vision, disability, and life insurance.
- Leadership development, tuition assistance, and advancement opportunities.
- Financial wellness rewards through the Debt Free Club and Dave Ramsey’s SmartDollar program.
- Purpose-driven, people-first culture.
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What This Job Offers
Job Type
Full-time
Career Level
Executive
