Director, Commercial Lending Operations

• Lead commercial lending operations across originations, underwriting, processing, funding, portfolio management, and portfolio review
• Develop and implement lending strategies to achieve growth and profitability targets
• Partner with the Chief Lending Officer on credit policies, portfolio risk management, credit administration, and post-closing oversight
• Execute and monitor commercial lending strategy and operations while identifying new business opportunities and market segments
• Lead and manage the commercial lending team
• Oversee underwriting, structuring, approval, and administration of commercial credit relationships
• Serve as senior credit expert for complex CRE transactions and approve credit relationships
• Lead and enhance C&I and SBA lending capabilities
• Represent Commercial Lending with regulators, examiners, auditors, NCUA, DBO, and SBA
• Partner with Sales to coordinate loan product acquisition and retention
• Research and develop commercial products, services, and innovative concepts
• Review, approve, and present credit presentations to senior and executive leadership
• Monitor market trends and regulatory changes affecting commercial lending
• Co-manage budgets, policies, procedures, pricing, underwriting standards, funding practices, reporting, and back-office administration
• Collaborate with underwriting, risk management, and compliance to streamline processes and ensure timely loan closings

• Bachelor's degree from an accredited college is highly preferred
• Minimum of 10 years’ experience in commercial lending in a full-service financial institution or comparable related position
• At least 5 years in a managerial or leadership role
• SBA lending experience and familiarity with SBA program requirements, eligibility, underwriting, documentation, guaranty, servicing, and post-closing expectations
• Comprehensive knowledge of CRE and C&I underwriting
• Experience with business lines of credit, term loans, equipment loans, construction lending, loan participations, and related collateral structures
• Ability to negotiate and structure commercial loan proposals and pricing
• Strong commercial credit analysis knowledge, including cash flow, global DSCR, tax returns, rent rolls, lease review, appraisal review, guarantor/sponsor strength, industry and market risk, risk ratings, covenants, and portfolio concentration management
• Experience managing commercial portfolios after closing, including annual reviews, covenant compliance, financial statement tracking, collateral monitoring, renewals, modifications, maturity management, criticized/classified assets, and problem loan resolution
• Ability to build, scale, and manage a commercial lending platform across underwriting, credit administration, loan operations, servicing, portfolio management, and risk management
• Knowledge of NCUA commercial lending regulations, SBA requirements, loan review practices, allowance methodologies, commercial credit administration, and commercial credit risk management
• Experience presenting commercial credit matters, portfolio performance, emerging risks, examination responses, and strategic lending recommendations to executive management, boards, auditors, examiners, and regulatory agencies
• Excellent communication and interpersonal skills
• Ability to drive results and manage a team effectively
• Proficiency in loan origination software and Microsoft Office, especially Excel

Demonstrates extensive expertise in commercial lending operations, including underwriting, credit administration, and portfolio management, while effectively leading teams and driving strategic growth initiatives. Proficient in navigating regulatory requirements and presenting complex credit matters to executive leadership.

• Commercial Lending Operations
• SBA Lending Experience
• CRE and C&I Underwriting
• Commercial Credit Analysis
• Team Leadership

• Commercial Lending
• Credit Administration
• Underwriting
• Loan Structuring
• Portfolio Management
• Risk Management
• Credit Analysis
• Loan Origination Software
• Financial Statement Tracking
• Problem Loan Resolution

• Excellent Communication
• Interpersonal Skills
• Team Management
• Negotiation Skills
• Results-Driven

• Commercial Real Estate (CRE)
• Commercial and Industrial (C&I)
• SBA Program Requirements
• NCUA Regulations
• Credit Risk Management
• Portfolio Risk Management
• Loan Review Practices
• Covenant Compliance
• Market Trends Regulatory Changes

• Microsoft Office
• Loan Origination Software