VP, Enterprise Credit Management

Bremerton Harborside
155 Washington Ave
Bremerton, WA 98337, USA

Bremerton Harborside
155 Washington Ave
Bremerton, WA 98337, USA

Kitsap Credit Union
is a not-for-profit, member-owned financial cooperative with more than 300 employees and 14 branches throughout Western Washington.
We have a passion for making a positive difference.As a $2 + billion-asset credit union, we are deeply committed to our members’ financial wellbeing and the prosperity and quality of life in the communities we serve. We are proud to be led by individuals with the experience and skills to drive our organization towards our goals for strategic growth and operational excellence.

Our KCU Cares Foundation program focuses on providing resources and support for those struggling with homelessness or hunger and improving the financial well-being of the people in our communities. And beyond monetary efforts, we have provided thousands of hours in staff volunteerism and in-kind support.

At Kitsap Credit Union, our success is built on trust-based relationships and personalized service. We understand our employees are key to our success. They provide the personalized service to our members and contribute to the communities where we live. We are committed to providing a supportive, mission-driven, and inclusive culture where employees can grow their careers. To learn more, visitkitsapcu.org .

Kitsap Credit Union is searching for a Vice President of Enterprise Credit Management. The VP of Enterprise Credit Management is a senior credit and risk leadership role responsible for enterprise-wide credit governance, commercial and business underwriting oversight, portfolio management, and second line of defense credit administration across all lending verticals.

This role is responsible for establishing and maintaining disciplined credit governance frameworks that support prudent growth, sound underwriting execution, portfolio quality, regulatory compliance, and long-term balance sheet performance. The position provides direct leadership for business and commercial underwriting and portfolio management functions while also independently reviewing consumer and real estate lending activities to ensure alignment with approved credit policy, underwriting standards, risk appetite, and established credit box parameters.

The VP of Enterprise Credit Management serves as a key strategic partner to the Chief Credit & Lending Officer and executive leadership team in monitoring portfolio trends, identifying emerging risks, strengthening underwriting governance, and supporting enterprise credit strategy initiatives.

This position requires a highly analytical and operationally sophisticated leader with deep expertise in commercial credit, consumer and mortgage risk management, portfolio analytics, credit governance, and regulatory expectations within financial institutions.

Reports to: SVP, Chief Credit and Lending Officer

Employment Type:Full-time, salary, exempt, hybrid

Salary Range: $ - $ depending on experience

Grade: 17BC

• Lead and oversee the enterprise credit management framework across business, commercial, consumer, and real estate lending.
• Establish and maintain disciplined credit governance practices that support safe and sound lending growth.
• Serve as a strategic advisor to the Chief Credit & Lending Officer regarding portfolio performance, underwriting trends, concentration risk, emerging credit issues, and policy recommendations.
• Drive consistency in credit administration standards, policy adherence, exception management, and risk governance practices across all lending functions.

• Provide direct leadership and oversight for business banking and commercial underwriting functions.
• Ensure timely, accurate, and well-structured credit analysis and recommendations for commercial and business lending relationships.
• Oversee underwriting quality, credit structuring, covenant monitoring, concentration management, and risk grading practices.
• Maintain governance around approval authorities, policy exceptions, and credit decision consistency.
• Partner with business development and lending leadership teams to balance growth objectives with prudent credit risk management.
• Support ongoing refinement of commercial underwriting standards, credit policy, and risk management frameworks.

• Lead enterprise portfolio management activities across all lending portfolios.
• Monitor and analyze portfolio trends including delinquency migration, charge-off trends, concentration exposure, vintage performance, policy exceptions, and emerging risks.
• Develop and maintain portfolio reporting and analytics for executive leadership, committees, and board reporting.
• Recommend proactive risk mitigation strategies based on economic trends, portfolio performance, and market conditions.
• Support stress testing, concentration monitoring, and reserve adequacy…