Commercial Lending Platform Manager

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GENERAL FUNCTION:

The Lending Optimization Product Manager will partner with Executive and Senior Management to identify, prioritize, develop and execute a multiyear strategic product management/road map across Commercial Lending platforms. This role will lead a product management team within Credit Solutions and serve as the platform owner for critical credit applications supporting the commercial lending process.

The Lending Optimization Product Manager will be responsible for:

1) coordination across senior leadership for identification, prioritization, and realization of multiyear objectives

2) identification of appropriate parties required and primary liaison between business, design, technology, and data partners to decompose objectives into executable epics/features (with acceptance criteria and effort estimates) for Agile development

3) clarify business objectives, define delivery structure, and direct cross-functional teams

4) pushing boundaries to introduce new and innovative solutions including identifying, building, and advocating for strategic investment opportunities that advance the credit process and broader business objectives.

This role partners closely with platform users (e.g., underwriters, portfolio managers, risk partners) and IT to identify usability gaps, workflow inefficiencies, and enhancement opportunities, translating those insights into actionable product initiatives and business cases.

The role is responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for always doing the right thing for customers and colleagues, and ensures that actions and behaviors drive a positive customer experience. While operating within the Bank's risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types.

ESSENTIAL DUTIES AND RESPONSIBILITIES:

* Establish goals/objectives for products and participate in setting the business strategy for implementation of key initiatives through adoption across 8 lines of business.

* Own the application strategy for Commercial Lending platforms, ensuring alignment to business priorities, regulatory expectations, and long‑term modernization goals.

* Identifies and advances opportunities to responsibly leverage AI and advanced analytics within credit underwriting and portfolio management platforms to improve efficiency, consistency, and decision support, in alignment with risk, governance, and regulatory expectations.

* Drives the strategy and develops the product roadmap to improve experiences across the platform including incorporating direct user feedback and leading a robust, continuous prioritization process to maximize total value, risk mitigation, and other business benefits.

* Responsible for the continual prioritization, design and implementation of functionality across ongoing parallel releases (production, major LOB upcoming, minor monthly/break-fix, and planning 3 years out)

* Collaborates with Product Owners on all new feature development, including building backlog to approving features.

* Leads a highly collaborative process across a wide range of stakeholders and cross-functional teams to get buy-in and execution of product, including lines of business, operations, legal, compliance, IT, information security, testing, change management and related functions.

* Provides transparency and ongoing communications with line of business partners/key stakeholders including identification, escalation, and remediation of risks and issues.

* Identifies, monitor, and communicates on key performance indicators.

* Identify opportunities to broaden product feature/functionality and drive product development based on market and competitive intelligence as well as Business feedback loops.

* Develops, socializes, and lobbies for business cases supporting future strategic initiatives and platform investments, partnering with senior leadership to secure prioritization and funding.

SUPERVISORY RESPONSIBILITIES:

May be responsible for providing employees timely, candid and constructive performance feedback; developing employees to their fullest potential and provide challenging opportunities that enhance employee career growth; developing the appropriate talent pool to ensure adequate bench strength and succession planning; recognizing and rewarding employees for accomplishments.

MINIMUM

KNOWLEDGE, SKILLS AND ABILITIES REQUIRED:

* Bachelor's degree in finance, business, computer science, management, related field or equivalent experience.

* 10-15 financial services experience that includes commercial lending product management and leadership of transformational commercial lending initiatives.

* nCino experience required

* Direct experience with credit…