Commercial Credit Officer, VP - Credit Risk & Lending
Overview
As 1st VP, Commercial Credit Officer, you'll lead commercial credit underwriting and risk management for Columbia Bank's New York operations. You'll direct a team of Credit Managers and analysts to ensure loan quality, compliance, and turnaround. You'll shape bank-wide credit policies, approve transactions within $10M authority, and present to the Board Credit Committee. This role stands out for its dual focus on team development and driving AI-powered credit analytics.
What You'll Do9
- 1Lead the Credit Analysis team to underwrite Commercial Loans, managing the pipeline to meet senior expectations.
- 2Update credit policies and procedures to align with regulatory standards and bank risk appetite.
- 3Approve credit transactions within your $10M authority and recommend larger deals to the Credit Committee.
- 4Review risk ratings assigned by analysts and adjust when needed, especially for early warning signs.
- 5Identify Watch list candidates and present quarterly to the Credit Risk Taskforce.
- 6Coach and mentor Credit Managers and analysts through structured training programs.
- 7Prepare management reports for the Executive Operating Committee and Board of Directors.
- 8Implement new credit risk tools and work with IT to maximize the Loan Origination System (LOS).
- 9Ensure all files meet federal and state regulatory conditions and internal controls.
Requirements9
- 115+ years in Commercial Credit with lending authority required.
- 27+ years of leadership experience managing credit teams.
- 3Bachelor's degree in Business Administration, Accounting, Finance, or related field.
- 4Strong knowledge of commercial loan products, policies, and federal regulations.
- 5Proven underwriting and financial analysis skills, including accounting concepts.
- 6Experience with MS Office and specialized credit analysis software.
- 7Ability to work hybrid (3 days in office) and manage multiple priorities under deadlines.
- 8Excellent written and verbal communication skills.
- 9Commitment to Equal Employment and Affirmative Action planning.
Salary Insight
$170 - $194k per year
Location
Required Skills
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