Commercial Senior Credit Lead

Senior Credit Lead

• Maintain an enterprise level view of portfolio risk with ownership of portfolio themes and risk outcomes across a Regional or Industry portfolio, ensuring proactive, disciplined portfolio management.
• Act as the primary point of escalation for complex, higher‑risk, or sensitive credit situations and lead resolution and risk decisioning in partnership with senior stakeholders.
• Partner with banking leadership to understand business strategy, growth objectives, and pipeline dynamics.
• Review deal structures, assess borrower viability, and advise on term sheets.
• Maintain a forward‑looking, independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks.
• Drive credit excellence metrics, including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, and timely remediation of issues.
• Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across teams.
• Lead portfolio reviews, risk discussions, and escalations with Credit Risk, Credit Risk Review, and Senior Management.
• Oversee portfolio reporting and ensure delivery of clear, actionable insights and recommendations to senior stakeholders.
• Engage with clients and prospects as needed, particularly in complex or escalated credit situations.
• Establish workflow priorities and resource alignment to support effective execution across deal and portfolio activities.
• Champion continuous improvement initiatives, special projects, and strategic enhancements to credit and portfolio management processes and systems.
• Ensure system integrity, documentation accuracy, and regulatory compliance across the portfolio.

• Direct and indirect supervision and direction of Credit Solutions professionals.
• Provide timely, candid, and constructive performance feedback, and develop employees to their fullest potential.
• Build an appropriate talent pool to ensure adequate bench strength and succession planning.
• Recognize and reward employees for accomplishments.

• Bachelor’s degree in Business, Finance, Accounting, or related field (advanced degree preferred).
• Minimum of 10 years of experience in commercial credit, portfolio management, underwriting, or credit risk leadership.
• Advanced expertise in commercial credit underwriting, structuring, portfolio management, and legal documentation.
• Demonstrated experience leading and developing high‑performing credit teams.
• Proven ability to maintain a forward‑looking view of portfolio risk and proactively identify emerging credit issues.
• Deep knowledge of commercial lending policies, regulatory requirements, and risk governance frameworks.
• Strong communication and influence skills across senior internal stakeholders.
• Excellent analytical, organizational, and decision‑making capabilities, including comfort operating in complex or ambiguous environments.
• Proficiency with internal banking systems and Microsoft Office tools.

• Base salary commensurate with the pay grade and adjusted based on role, skill set, experience, education, and geographic location.
• Eligible for an incentive compensation plan based on company, line of business, and/or individual performance.
• Comprehensive benefits covering physical, financial, emotional, and social well‑being through a Total Rewards program.

Grand Rapids, Michigan 49503

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