VP, Commercial Credit Risk

Responsibilities:

Second Line Review of Commercial Loan Originations

Perform independent second line of defense review of all commercial credit originations
Providing risk-based challenge to first-line underwriting assumptions
Document independent risk opinions and escalate material credit concerns to the CCRO and/or Credit Committee
Conduct financial and risk assessment reviews (payer mix, reimbursement rate sensitivity, regulatory/compliance risk)
of Health Care providers (skilled nursing, assisted living, hospitals
Review credit exposures associated with Fintech partnership lending programs, ensuring appropriate risk assessment of program-level and individual credit risk characteristics
Risk Rating Scorecard Enhancements

Support the design, development, and ongoing enhancement of internal credit risk rating scorecards and methodologies
Collaborate with credit risk analytics and data teams to validate scorecard performance, calibrate rating thresholds, and ensure alignment with regulatory expectations (FDIC guidance, Interagency Policy Statements)
Review of Annual Reviews, Rating Upgrades/Downgrades & Impairment Analysis

Oversee and independently validate the annual review process for the commercial loan portfolio, ensuring timely completion, appropriate financial analysis, and accurate risk rating assignment
Review and approve/challenge proposed rating upgrades and downgrades, ensuring consistency with the bank’s rating philosophy and supportable by borrower financial performance and market conditions
Conduct or validate impairment analyses (ASC 310/326) for credits exhibiting signs of deterioration
Portfolio Monitoring & Reporting

Monitor portfolio-level credit quality indicators across all segments, including delinquency trends, watch list migration, concentration levels, and criticized/classified asset ratios
Partner closely with the Allowance/CECL team to support specific reserve (individual assessment) analysis for impaired or deteriorating commercial credits
Policy & Governance

Maintain, review and update the Commercial Lending Policy and Procedures
Qualifications:

Education

Bachelor’s degree – in Finance, Accounting, Economics, or a related field (required)
Master’s degree (MBA) or professional certification (e.g., CFA, CRC, FRM, RMA-CCRM) (preferred)
Experience

Minimum 10 years of progressive experience in commercial credit risk, underwriting, or credit portfolio management within a banking environment, preferably at a community or regional bank
At least 5 years in a second line of defense, credit review, or senior credit risk management role
Demonstrated experience with CRE, Construction, Lender Finance, C&I, SBA and/or Health Care lending portfolios
Understanding of CMS/Medicaid/Medicare reimbursement dynamics and Health Care regulatory and licensure risk factors
Experience with FDIC and/or OCC regulated institutions strongly preferred
Prior involvement in regulatory examination preparation and response
Experience with or exposure to Fintech/BaaS lending programs and third-party risk management is a significant plus