AVP, Commercial Credit

Summary: The Assistant Vice President (AVP), Commercial Credit is responsible for leading and overseeing commercial credit underwriting activities and credit quality governance. This role manages the Commercial Underwriting team, ensuring sound credit decisioning, consistent credit risk assessment, and alignment with the credit union's strategic objectives and risk appetite. The AVP plays a key leadership role in maintaining underwriting quality, ensuring regulatory compliance, supporting prudent loan growth, and fostering strong partnerships with lending teams. Key ResponsibilitiesLead, coach, and develop the Commercial Underwriting team Establish department goals aligned with Telhio's strategic plan and risk tolerance Promote a culture of credit discipline, accountability, and continuous improvement Partner with senior leadership on credit strategy and commercial lending initiatives Recommend and implement enhancements to credit policies, procedures, and risk frameworks Ensure transparency and proactive communication across teams Oversee underwriting of commercial loans including: Commercial Real Estate (CRE) Commercial & Industrial (C&I) Lines of Credit SBA/Government-Guaranteed LoansEnsure credit decisions reflect strong analytical rigor and adherence to policy Review and approve complex or high-risk credit transactions within delegated authority Provide guidance on structuring, risk mitigation, and exception management Ensure consistent application of risk rating methodologies Credit Analysis & Financial OversightEnsure high-quality financial analysis across teams, including: Cash flow analysis (traditional business cash flow, global cash flow, and occasionally UCA cash flow as needed) Financial statement spreading Tax return analysis Collateral valuationOversee capitalization rate analysis and loan exposure assessments Ensure borrower repayment capacity is accurately assessed and documented Maintain consistent underwriting standards and documentation quality across the department. Maintain compliance with all regulatory requirements and internal credit policies Monitor exception reports and ensure adherence to target thresholds Stay current on industry trends, market conditions, and regulatory changes impacting credit risk Support internal and external examinations, audits, and regulatory reviews involving commercial credit activities.

Required Qualifications: EducationBachelor's degree Finance, Accounting, Business, Economics, Business/Administration, Management, Statistics. (required) Advanced degree and/or formal credit training (preferred) Experience 7-10+ years of experience in commercial credit, underwriting, and/or portfolio management (required) 3-5+ years of leadership experience managing credit, underwriting, or risk teams (preferred) Experience with SBA or government-guaranteed lending programs (preferred) Knowledge, Skills and AbilitiesKnowledgeKnowledge of SBA Standard Operating Procedure Knowledge of SBA Loan Products Knowledge of Abrigo Sageworks (preferred) Skills and AbilitiesAdvanced analytical and credit risk assessment skills Strong leadership and team development capabilities Expertise in financial statement analysis and cash flow modeling Deep understanding of commercial credit policy, loan structures, and documentation Excellent verbal, written, and interpersonal communication skills Ability to evaluate complex credit relationships and make sound credit recommendations. Strong judgment and decision-making skills with the ability to balance growth objectives and risk management principles. What you will earnCompetitive pay Opportunity to earn incentive

Benefits: medical, dental, vision, life and disability insurance 6% matching and immediately vested 401(k) plan Generous Paid Time Off and Paid Holidays Opportunity for personal career growth, continued education and mentorship programs Volunteer opportunities impacting the local community Physical DemandsThe physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, you will need to have good manual dexterity as well as speaking and hearing ability. This position requires sitting; some reaching; standing; some stooping or kneeling. The employee must occasionally lift and move up to 50 pounds. It is expected that the employee will read, compile, compute and record numerical and statistical data. Must drive occasionally. This is a Non-Collective Bargaining Unit Telhio is an Equal Opportunity Employer Helping all candidates find great careers is our goal. The information you provide here is secure and confidential.