VP of Commercial

Gulf Winds Credit Union•Pensacola, FL

124d•$120,000 - $150,000•Onsite

About The Position

The Vice President of Commercial provides strategic leadership and operational oversight for commercial lending from origination through portfolio management. The role is responsible for operational excellence, regulatory compliance, and high-quality service for commercial banking clients and internal stakeholders. The VP partners with the Chief Lending Officer, relationship managers, and risk management to improve efficiency, scalability, and profitability within commercial lending. The position is based in Gulf Winds’ Pensacola, Florida market and works primarily in an office setting. The normal schedule is Monday through Friday, 8:30 a.m. to 5:00 p.m. Occasional after-hours work or travel may be required for project deadlines, conferences, seminars, or client meetings. The role involves sitting at a computer for most of the day, along with filing and occasional bending or standing. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Requirements

At least 7 years of progressive experience in commercial lending, credit administration, or loan operations within a bank, credit union, or financial institution.
At least 5 years in a management role overseeing operational teams.
Demonstrated experience managing a commercial loan portfolio of $100 million or greater.
Deep knowledge of commercial credit underwriting, loan documentation, and portfolio management principles.
Thorough understanding of regulatory guidelines, NCUA requirements, and state banking laws.
Proficiency with loan origination systems and core banking platforms.
Exceptional analytical, problem-solving, and decision-making abilities.
Strong leadership presence and ability to influence across organizational levels.
Excellent written and verbal communication skills, including experience presenting to executive teams and boards.
Ability to manage multiple priorities in a fast-paced, deadline-driven environment.
Ability to sit at a computer for most of the day and to file, open filing cabinets, and bend or stand as necessary.
Ability to participate in conference calls and meetings with Credit Union team members and vendors and to adhere to safety rules and regulations.

Nice To Haves

Experience with construction, C&I, CRE, and SBA lending.
Bachelor’s degree in Finance, Business Administration, Accounting, or a related field preferred.
MBA or advanced degree preferred.
Completion of a formal bank credit training program is a strong plus.

Responsibilities

Oversee end-to-end commercial loan operations, from processing through servicing; develop operational strategies aligned with growth objectives and establish and monitor service level agreements.
Supervise loan documentation review, covenant monitoring, and collateral management; ensure sound underwriting and timely credit decisions.
Mentor and develop operations professionals, foster a high-performance culture, and coordinate with Human Resources on talent acquisition and succession planning.
Drive continuous improvement through technology, automation, and best practices to reduce cycle times and operational costs.
Maintain compliance with applicable federal and state regulations, including BSA/AML, CRA, and HMDA; serve as the primary contact for regulatory examiners and internal and external auditors.
Champion adoption of loan origination systems and core banking platforms; identify fintech partnerships and lead system implementations or upgrades.
Identify trends in credit quality and delinquency, manage exception processes to resolve documentation deficiencies, and coordinate risk assessments with Enterprise Risk Management.
Partner with Relationship Managers, Treasury, Finance, and Legal on complex deal structures and client requirements.
Use data analytics to provide actionable KPIs to management and represent the department in senior leadership and board meetings.
Perform other related duties as assigned by management.
Meet or exceed established application-to-funding cycle-time benchmarks without compromising credit quality or compliance.
Achieve at least a 95% success rate in meeting internal SLAs for loan documentation, closing, and funding turnaround times.
Maintain zero high-risk audit findings related to loan documentation or collateral perfection and keep documentation exceptions below 5% of the portfolio.
Ensure direct reports complete individual development plans and required regulatory training on schedule.
Manage regulatory exams and internal audits without repeated findings and ensure deficiencies are remediated within 60 days.
Improve staff productivity through successful implementation or optimization of the Loan Origination System.
Manage the Commercial Operations budget within a +/- 5% variance and identify at least one annual initiative to reduce operational costs per loan.