Executive Director of Credit Products Commercial​/Small Business

Executive Director of Credit Products -- Commercial / Small Business

#7298

Miami Lakes, Florida, United States

Miami Lakes , Florida , United States

This is a hybrid role in Miami Lakes, FL

The Director of Credit Products is the executive leader responsible for the strategy, operating model, credit quality, and performance of the underwriting and portfolio management function supporting the Bank's Commercial and Small Business segments. The role ensures that credit requests and portfolio decisions are supported by timely, complete, accurate, and objective analysis; aligned with the Bank's risk appetite and credit policies;

responsive to client and business needs; and compliant with applicable regulatory requirements.

This leader serves as a senior credit partner to Commercial and Small Business Banking, translating business strategy into disciplined credit execution. The Director establishes consistent standards, governance, talent, technology, performance measures, and scalable processes across the credit lifecycle while promoting balanced growth, sound risk management, and an effective client experience.

• Executive Accountabilities:
  • Leads the strategic direction and operating model for Credit Products supporting Commercial and Small Business Banking, including underwriting, credit analysis, approval readiness, portfolio monitoring, annual reviews, and ongoing credit maintenance.
  • Provides executive leadership for credit quality, operating performance, talent management, capacity, and continuous improvement across the function.
  • Partners with business, Credit Administration, Risk, Operations, Legal, Compliance, Finance, and Technology leaders to align growth objectives with prudent credit structures and effective risk controls.
  • Ensures credit analyses and approval packages provide decision makers with a clear, concise, accurate, and unbiased assessment of the borrower, guarantors, transaction, repayment capacity, collateral, key risks, and mitigating factors.
  • Serves as a senior subject matter expert and escalation point for complex Commercial and Small Business credit matters, operating issues, and portfolio risks.
  • Represents the function on applicable credit, risk, operating, and governance committees, consistent with authorities established in Bank policy.
• Credit Strategy, Governance, and Risk Leadership:
  • Establishes and maintains a scalable Credit Products framework, including organizational structure, role clarity, decision rights, service standards, quality controls, processes, templates, tools, and management routines.
  • Aligns underwriting and portfolio management practices with the Bank's credit policies, risk appetite, strategic priorities, regulatory expectations, and leading industry practices.
  • Establishes consistent standards for credit analysis, risk rating methodology, approval packages, annual reviews, periodic assessments, covenant monitoring, and portfolio maintenance.
  • Exercises sound and independent credit judgment and provides an executive opinion on complex, elevated, or material credit requests before submission to the appropriate credit authority or approval body.
  • Identifies emerging risks, concentrations, process gaps, and control weaknesses; escalates matters promptly and leads appropriate corrective action.
  • Promotes strong first-line ownership of credit risk and an operating culture that balances growth, client responsiveness, credit quality, and control discipline.
• Commercial and Small Business Credit Execution:
  • Oversees the timely delivery of complete and accurate credit analyses and approval packages across Commercial and Small Business lending activities.
  • Partners with Relationship Managers, business executives, Credit Officers, and Credit Products leaders to structure credit solutions that address client needs while protecting the Bank's interests.
  • Guides the identification, assessment, and mitigation of transaction and portfolio risks, including appropriate structure, covenants, collateral, guarantees, reporting requirements, and monitoring expectations.
  • Verifies that required credit process conditions and analysis standards are satisfied before requests advance for final approval.
  • Ensures work products are concise, decision-useful, and consistent in content and presentation, with sufficient information to support the applicable credit authority.
  • Provides senior-level support on complex transactions, policy interpretations, exceptions, and…