Commercial Lending Director

COMMERCIAL LENDING DIRECTOR I

Grade 15/Exempt

Reports to:

Chief Financial Officer

The primary purpose of this position is to assist Members First Credit Union to deliver on its mission, vision, and brand promise. You will do this by living out our core values in every service contact to both internal and external members. At the heart of our Employee Value Proposition lies the belief in purpose, belonging, and joy, fostering a culture where every team member feels invested and encouraged to make a meaningful impact in the lives of others.

• Through leadership, coaching, and development, create a positive, empowering environment for the Commercial Lending team to allow for goal success and professional development.
• Responsible for ownership, goal attainment, and overall success of the Commercial Lending function.
• Lead, build, and scale commercial lending and services in alignment with the Credit Union’s strategic plan, risk appetite, and service promises.
• Drive sustainable portfolio growth while maintaining strong asset quality, sound credit risk management, and regulatory compliance.
• Develop and maintain strong business relationships that create a healthy loan pipeline and deepen member relationships.
• Serve as a visible ambassador of the Credit Union within the business and community markets.
• Ensure an exceptional member and team member experience across all commercial lending and servicing activities.
• Develop a deep understanding of lending, deposit, and treasury management solutions offered internally or by a 3rd party partner.
• Solutions driven leader, ensuring products align with membership and credit union needs and risk appetite.
• Grow and maintain key 3rd party vendor relationships.
• Monitor rates, pricing, and market conditions to ensure competitiveness and alignment with industry trends.
• Be a Thought Leader in the general leadership of the organization by identifying opportunities to optimize efficiencies through people, process, and technology with simplicity and care.
• Lead alignment of Commercial policies, procedures, services, products, and documentation to meet federal and state regulations. Ensure team training and compliance.
• This role is an in-office position with the flexibility to travel as needed.
• Successfully obtain Certified Credit Union Financial Counselor (CCUFC) designation through America’s Credit Unions within the first year of service with M1.

The following statements are intended to describe the general nature and level of work being performed by this position. It is not intended to be an exhaustive list of all duties, responsibilities and skills required of this position. Other duties may be assigned to meet business needs.

• Own the overall performance, growth, and risk profile of the commercial loan portfolio.
• Oversee underwriting quality, loan structuring, approvals, renewals, modifications, and ongoing credit monitoring.
• Ensure timely completion of annual reviews, financial analysis, site visits, covenant monitoring, and risk rating updates.
• Monitor portfolio trends, concentrations, DSCR, LTV, and other risk metrics; recommend data‑driven strategies for long‑term portfolio success.
• Identify potential problem loans and lead appropriate risk mitigation strategies.
• Proactively identify and recommend improvements to Senior Leadership regarding key operational, credit, and strategic issues affecting the Commercial Lending function.
• Review and approve credit approval packages and present recommendations to Senior Leadership, Business Lending Committee, ALCO and prepare Board presentations as needed.
• Prepare monthly portfolio and regulatory reports for the Board of Directors and respond to ad‑hoc reporting requests as needed.
• Develop and expand the commercial member base by deepening existing relationships and cultivating new business opportunities.
• Lead the Commercial Relationship Manager and educate Branch Leaders to identify target markets, centers of influence, and growth opportunities.
• Maintain an active presence in business, community, chamber, and professional organizations to generate awareness and leads.
• Partner with Marketing to develop business‑related materials,…