Commercial Senior Credit Lead

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GENERAL FUNCTION:  

The Senior Credit Lead is accountable for active portfolio   management   leadership, team development, and cre dit risk oversight across a Regional or   Industry aligned   portfolio within Credit Solutions, combining deep credit expertise with strong leadership capabilities to   set strategic portfolio direction,   effec tively manage escalations, partner strategically with Banking and Credit Risk stakeholders, and execute portfolio strategy with discipline. The role requires maintaining a   forward-looking   view of risk, proactively identifying emerging credit issues and industry trends, and acting decisively to protect asset quality, while serving as a trusted advisor to Banking partners, Credit Risk, and Senior Management and fostering a strong risk culture anchored in consistently high standards of credit judgment and execution.

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for doing the right thing for customers and   colleagues and   ensuring 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:

+ Maintai n   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   a nd lead resolution and risk decisioning in partnership with   senior stakeholders.

+ Partner with Ba nking leadership (Regional Presidents, Group Heads, or Coverage Leaders) 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 team s.

+ Lead portfolio reviews, risk discussions, and escalation s   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 comple x   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.

SUPERVISORY RESPONSIBILITY:  

Includes   the direct   and indirect supervision and direction of the day-to-day activities of   Credit Solutions professionals . Responsible for providing employees with   timely , candid, and c onstru ctive performance   feedback. Develop employees to their fullest potential and   provide   challenging opportunities that enhance employee career growth. Develop   the   appropriate talent   po ol to ensure adequ ate bench strength and succession planning.

Recognize and reward employees for   accomplishments.

MINIMUM KNOWLEDGE,   SKILLS   AND ABILITIES

REQUIRED:

+ Bachelor's degree in Business , Finance, Accounting, or related field   required ; advanced degree preferred.

+ Minimum of   10   years of experience   in   commercial…