Senior Credit Manager

About The Role

The Senior Credit Manager helps to lead the Division’s Credit function, overseeing both the Credit Analyst and Commercial Portfolio Management teams. This role is responsible for underwriting quality, portfolio risk management, and credit workflow to ensure consistent, timely, and well‑supported credit decisions.

As a key partner to the Chief Credit Officer, the Senior Credit Manager provides unified leadership across Credit and Portfolio Management, aligning risk philosophy, execution, and team development. The role also strengthens leadership capabilities, supports talent development, and promotes a culture of accountability, collaboration, and high performance.

The Senior Credit Manager plays a critical role in maintaining credit quality and regulatory compliance, serving as a liaison to Corporate Credit Administration, supporting examinations, and contributing to complex credit strategies, including special assets.

The compensation pay range for this position is $98,800-$140,000 annually. All compensation offers are analyzed individually and take into consideration multiple factors including but not limited to geographic location, years of experience, and educational background.

• Lead and develop Credit and Portfolio Management teams, supporting organizational, team, and loan growth through strong performance, talent development, and consistent leadership.
• Drive alignment across teams in culture, processes, credit philosophy, and execution.
• Oversee underwriting quality, risk assessment, and end‑to‑end credit workflow, including pipeline management and turnaround times.
• Ensure effective portfolio monitoring, including financial reporting and covenant tracking, completion of annual reviews, and problem loan identification and reporting.
• Provide guidance on credit policy, structuring, and risk decisions; coordinate with Corporate Credit Administration and act as Chief Credit Officer delegate as needed.
• Collaborate with Commercial Lending, Loan Assistants, Loan Operations, and other stakeholders on structuring and executing transactions.
• Partner with the Chief Credit Officer on criticized and classified asset management.
• Ensure compliance with internal policies and regulatory requirements, maintaining strong examination readiness.
• Support internal and external audits, examinations, and reviews.
• Identify and implement improvements to credit processes, systems, and workflows.
• Serve as a voting member of Loan Committee, providing opinions and value‑added feedback on credit decisions.
• Lead and support strategic credit initiatives and ad‑hoc credit‑related projects.
• Foster a collaborative, team‑oriented culture aligned with bank objectives.
• Support community involvement initiatives and perform other duties as assigned.

• Bachelor’s degree in business, finance, economics, or related field required.
• 5+ years of experience in commercial credit, underwriting, or portfolio management required.
• 3+ years of management and leadership experience in a credit or banking function required.
• Experience overseeing underwriting and/or portfolio management functions required.

• Strong expertise in commercial credit analysis, underwriting, and risk assessment (CRE, C&I, construction, SBA).
• Solid understanding of portfolio management, risk monitoring, and problem loan management.
• Proven leadership and team development capabilities.
• Demonstrated ability to thoughtfully evaluate and improve credit and portfolio management processes and workflows to enhance efficiency and scalability.
• Strong organizational and operational management skills, including workflow oversight.
• Excellent communication and cross‑functional collaboration skills.
• Strong analytical thinking and sound judgment.
• Proficiency with underwriting systems and Microsoft Office (nCino preferred).
• High level of professionalism, integrity, and confidentiality.

Work performed in an office environment. Must be able to routinely perform work indoors in climate‑controlled shared work area with minimal noise.

The physical demands described here are representative of those that…