AVP, Associate Director of EFD – Credit Specialist

AVP, Associate Director of EFD – Credit Specialist

Recruitment began on February 23, 2026

and the job listing Expires on March 26, 2026

Full-Time Job Accounting, Data Analytics, Economics & Finance

At Stearns Bank, we’re helping people, entrepreneurs, small businesses, and local communities nationwide reach their full financial potential. Sound like something you want to be a part of? If so, we’re currently looking for a AVP, Associate Director of EFD – Credit Specialty. This is a Connected Mobile Work Environment.

Come see how we’re doing business unusual and charting our own path to reimagine a more inclusive financial services and banking ecosystem for all.

Stearns Bank understands and respects that everyone is managing unique career, family, and wellness needs. That’s why we offer industry-leading benefits to employees to help them live healthy lives and bring their full selves to work every day. Benefits may vary for part-time positions. Some of those benefits include:

• Employee Stock Ownership Plan & 401k Plan
• Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
• 12-week Paid Parental Leave and Medical Leave:
  With a cap of 20 weeks for eligible team members who qualify for both Medical and Parental Leave related to the birth of a child
• $5,000 Family Care Reimbursement:
  Childcare, Elder Care, Student Loan Debt, Pet expenses, Down Payment Assistance
• PTO from 13 to 23 days depending on tenure. Cashout and Carryover options
• 10 Days Sick Time
• 11 Paid Holidays
• 2 Days Self Allowance Time
• Tuition Assistance

For this position, we anticipate an annual salary range between $115,000 – $155,000.

Final employment offers will be dependent upon the selected candidate’s relevant qualifications and experience.

The Associate Director of EFD Credit is responsible for leading, developing and strategically managing the Equipment Finance credit function. This role requires advanced operational leadership, strong cross functional collaboration and partnership, and a very proactive approach to efficiency optimization, KPI-driven performance management, and critical thinking-based decision making. This position will require extensive communication with all business units within Equipment Finance Division (EFD) and other internal departments within Stearns Bank.

• Provide discipline, vision and oversight for EFD credit function, ensuring processes are standardized, controlled, transparent and responsive.
• Lead the strategic direction and continuous efficiency improvements of our Equipment Finance credit function, including frequent review of the Bank’s loan policy and underwriting standards and bringing forward recommended updates to the Chief Credit Officer to ensure compliance with regulatory requirements and our Stearns Bank N.A. “Credit Strong” culture.
• Build, measure and sustain accountability, urgency, precision, Gold Standard service, financial discipline, and process integrity within the EFD Credit Team.
• Work with other departments to ensure all processes function seamlessly, setting and enforcing clear ownership, accountability, and performance expectations for the EFD Credit team and function.
• Establish, manage, and report on EFD credit performance metrics.
• Provide high-impact strategic leadership and ensure team culture reflects accountability, communication, and performance excellence.

Workflow & Process Management

• Lead key projects, transformational initiatives and cross functional work streams.
• Establish key performance and key risk indicators to oversee and effectively monitor the process that pinpoint effectiveness and ineffectiveness.
• Partner with development teams to enhance processes with Salesforce, .Net options etc. where needed.

Financial Budget Oversight

• Manage the budget for EFD Credit and ensure staffing and capacity aligns with production trends and strategic objectives.
• Manage proper business unit assignment for all EFD Credit resources and expenses.
• Hire, mentor, and develop high-performing credit professionals.
• Promote culture of urgency, precision, professional communication, and financial ownership.
• Manage and supervise the EFD credit team and ensure superior knowledge,…