Job Description
1. * Lead and oversee the commercial real estate underwriting team, ensuring robust credit analysis, effective challenge, and consistent application of credit policies and risk standards.
2. * Review and sponsor credit transactions submitted for approval, confirming that risk ratings appropriately reflect borrower and transaction risk profiles.
3. * Partner with lending, portfolio management, and other stakeholders to support portfolio quality while balancing growth objectives and risk appetite.
4. * Provide guidance on loan structuring, including repayment terms, covenants, collateral, and other credit conditions.
5. * Participate in client meetings and site visits as appropriate to support credit assessment and structuring decisions.
6. * Coach and mentor less experienced colleagues across credit, portfolio management, and lending functions, reinforcing sound underwriting practices and regulatory compliance.
7. * Support talent evaluation, performance management, and development planning within the credit function.
8. * Lead or actively participate in Credit Committee and other governance forums, ensuring clear and timely responses to approval authority inquiries.
9. * Oversee the preparation and accuracy of recurring and ad hoc credit reporting, including monthly and quarterly deliverables.
10. * Serve as a key point of contact for regulators and auditors on credit-related matters, supporting examinations and audits as required.
11. * Monitor portfolio performance, exposure levels, and concentration risks, identifying trends and early warning indicators.
12. * Drive technology adoption and process enhancements within the credit function, aligned with broader technology and AI initiatives.
13. * Promote collaboration and alignment around strategic initiatives across credit and business teams.
14. * Maintain awareness of industry developments and best practices, applying insights to inform senior leadership decision-making and continuous improvement efforts.
15. * Perform other related duties as assigned.