Head of C&I Credit

Broadgate are excited to be partnering with a New York based Regional Bank who are looking for a Senior Credit leader.

Credit Governance & Approvals:

• Serve as a voting member of the Greenlight Working Group, Credit Risk Committee, and Troubled Asset Working Group.
• Exercise final credit approval authority within delegated limits; approve or decline transactions (new, extensions, modifications) that fall outside standard underwriting parameters.
• Approve and challenge C&I risk rating migrations between pass and classified/criticized.
• Provide effective challenge on material credit risk decisions prior to committee presentations, including policy compliance, risk ratings, exposure limits, and identified weaknesses.

Credit Framework & Policy Oversight:

• Review, approve, and monitor credit policy exceptions, including trend analysis and remediation.
• Partner with the Chief Credit Risk Officer (CCRO) and risk committees to establish portfolio and counter party limits aligned with the Bank's risk appetite.
• Anticipate and assess regulatory developments, macroeconomic conditions, and industry trends to proactively adjust credit risk practices.
• Remediate credit risk MRAs and internal audit findings.
• Oversee C&I portfolio performance — compare actual versus expected performance and recommend policy, structural, or underwriting adjustments where misalignments arise.
• Identify individual, aggregate, and emerging risks, including early warning indicators across transactions, industries, and portfolios.
• Analyze external and macroeconomic risk drivers and forecast their impact on portfolio performance; recommend responsive changes to lending policies and loan administration.
• Identify distressed assets early and develop risk-mitigation strategies to minimize potential losses.
• Oversee credit risk associated with complex or non-traditional exposures, including counter party and structured transactions.

Education & Experience:

• Bachelor's degree; MBA or advanced degree preferred.
• 20+ years of progressive experience in financial services with deep expertise in credit risk management within a corporate and/or commercial lending environment,
• Significant leadership experience (typically 10–15+ years)
• Deep subject matter expertise in at least one complex or specialized credit area (e.g., Private Credit, Lender Finance, Private Equity, Subscription Finance, CLOs, or similar structured credit products).
• Expert-level understanding of commercial and corporate credit underwriting, risk rating frameworks, credit policy governance, and exception management.
• Advanced knowledge of credit risk measurement methodologies, including loss forecasting, counter party credit risk assessment, stress testing, and portfolio analytics.
• Strong command of financial analysis, quantitative risk indicators, and the use of data to support credit decisions and risk-based recommendations.
• Advanced knowledge of applicable federal and state banking laws and regulations, and regulatory expectations governing credit risk management.