Commercial Credit Supervisor

Commercial Credit Supervisor

Job Type: Full- Time

Location: Remote

Exemption Type: Exempt (Salaried)


Wage Amount: $99,400 annual minimum

Primary Functions

The Commercial Credit Supervisor provides day-to-day leadership and operational oversight of the commercial credit analyst team while maintaining the capability to analyze and underwrite commercial credit requests as needed. This position manages workflow, workload distribution, service level expectations, work quality, training, coaching, and employee development.

The Commercial Credit Supervisor also performs and reviews commercial credit analyses, supports consistent risk ratings and credit recommendations, and helps ensure underwriting activities comply with applicable laws, regulations, Credit Union policies, procedures, and established risk appetite. This position will require balancing team leadership with individual underwriting responsibilities as needed, including complex, escalated, or time-sensitive requests.

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Employee Management

• Supervise daily operations of the commercial credit analyst team, including, but not limited to, coaching, mentoring, hiring, training, scheduling, and setting performance and service goals.
• Establish and review performance standards, complete employee evaluations on schedule, and conduct disciplinary actions as needed.
• Monitor and evaluate individual performance, providing regular feedback and conducting annual performance appraisals.
• Conduct regular staff meetings to communicate updates, align priorities, and reinforce service standards.
• Work with commercial leadership to develop and implement career development plans for staff, including educational support requirements, goal setting, and training opportunities for each employee.

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Departmental Support

• Promote sound credit administration, consistent decision support, member-focused service, accountability, and continuous improvement.
• Address underwriting-related questions, service issues, and escalations, collaborating with commercial sales, processing, servicing, collections, and leadership as appropriate.
• Approve requests within delegated authority; escalate requests outside authority or policy in accordance with established procedures.
• Develop, implement, and monitor performance expectations and production goals for the team.
• Manage the distribution and balance of the underwriting pipeline among team members.
• Monitor the underwriting pipeline to ensure expected turn times are met.
• Resolve member disputes, escalations, and service-related issues in collaboration with other departments.
• Collaborate with commercial leadership to support the annual review process; ensure financials are obtained and annual reviews are completed timely.
• Ensure commercial credit/annual review presentations, financial spreads, written narratives, risk ratings, and recommendations are completed accurately and in accordance with Credit Union policies, procedures, underwriting standards, and delegated authorities.
• Assist commercial leadership with preparation for internal audits, independent loan reviews, regulatory examinations, reporting requirements to Executives and the Board, and other credit quality assessments; support timely remediation of findings related to commercial credit.
• Utilize information systems and train staff to effectively underwrite applications.

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Individual Production Expectations

• Underwrite commercial credit requests and manage an individual workload, as business needs require.
• Review and analyze business and personal financial statements, tax returns, cash flow, debt service capacity, collateral, guarantor support, credit reports, industry conditions, and other relevant information.
• Prepare financial spreads, relationship profitability analyses, written credit narratives, and well-supported recommendations regarding creditworthiness, loan structure, conditions, and risk rating.
• Research industries, markets, and borrower-specific risks using available information sources and document material findings in the credit analysis.
• Complete independent credit analyses for new loans, renewals, extensions, modifications, servicing requests, and annual reviews, including complex, escalated, or higher-risk transactions.
• Partner with commercial loan officers and management regarding loan structure, covenants, collateral, guarantor support, and risk mitigation strategies.
• Perform periodic reviews of existing commercial relationships to support accurate risk identification and portfolio management.

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Miscellaneous

• Ensure compliance with applicable legal requirements, lending regulations, Credit Union policies, procedures, and documentation standards.
• Maintain current knowledge of commercial lending, financial analysis, risk rating practices, portfolio management, applicable regulations, and Credit Union products and services.
• Collaborate with Collections, Compliance, Legal, Finance, and other internal partners to resolve credit and portfolio issues.
• Complete required annual regulatory and compliance training.
• Serve as a team member or project lead on departmental or organizational initiatives.
• Maintain confidentiality.
• Perform other duties as required or assigned.

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Education and Experience

• High School diploma or G.E.D. equivalent required.
• Bachelor’s degree preferred.
• Five years of complex commercial credit analysis, commercial underwriting, or commercial loan review experience required.
• Three years of financial institution experience required.
• Two years of management experience preferred.

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Knowledge, Skills & Abilities

• Demonstrated leadership, coaching, and interpersonal skills with the ability to set expectations, provide constructive feedback, and support employee development.
• Advanced knowledge of financial and accounting concepts, including financial spreading, financial statement analysis, cash flow analysis, global cash flow, debt service capacity, liquidity, and trend analysis.
• Strong knowledge of commercial lending, credit analysis, loan structuring, collateral evaluation, risk rating methodologies, and portfolio management practices.
• Ability to analyze complex commercial credit relationships, identify material risks and mitigants, and communicate clear, well-supported recommendations.
• Ability to review the work of others for accuracy, completeness, consistency, and adherence to underwriting standards.
• Excellent written and verbal communication skills, including the ability to prepare professional credit memoranda and explain complex credit matters to varied audiences.
• Strong organizational, prioritization, and workflow-management skills, with the ability to balance supervisory duties and individual underwriting assignments.
• Proficiency with Microsoft Office applications, including Excel, Word, and Outlook; experience with Symitar or comparable core systems.
• Working knowledge of laws, regulations, policies, and procedures applicable to commercial lending and member business lending.
• Ability to exercise sound judgment, maintain confidentiality, manage conflict, and work effectively with members, employees, business partners, and vendors.
• Ability to work independently and collaboratively, adapt to changing priorities, and meet deadlines in a production-oriented environment.

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Cognitive & Physical Functions

• Must have the ability/stamina to work at least 40 hours a week.
• Will frequently reach, feel, bend, stoop, carry, finely manipulate, and key in data.
• Must be able to communicate continuously through telephone, e-mail, and in-person communications.
• Must be able to engage in problem-solving skills to help identify and solve potential issues in the field.

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Types of Decisions Made Independently

• Evaluating and recommending credit decisions.
• Staff scheduling and recommending disciplinary actions and terminations.

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Types of Decisions Requiring Supervisory Approval

• Credit requests, exceptions, or risk decisions outside delegated authority, policy, or established underwriting standards.
• Situations outside A+FCU policies and procedures.