VP Credit Risk Management

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VP Credit Risk Management

Our client is seeking a strategic and experienced Vice President of Credit Risk Management to lead the organizations credit underwriting function across Consumer Mortgage and Commercial lending portfolios. This executive leadership role is responsible for developing and executing underwriting strategies that optimize portfolio performance while effectively managing credit risk.

The VP of Credit Risk Management will oversee underwriting operations establish and maintain credit policies guide complex credit decisions ensure regulatory compliance and partner with executive leadership to support sustainable growth and profitability.

This is a Direct Hire role.

• Develop and implement enterprise-wide credit underwriting strategies aligned with organizational risk appetite and growth objectives.
• Serve as a voting member of the Loan Committee providing expertise on complex credit decisions.
• Establish maintain and enhance underwriting policies procedures and credit standards.
• Present portfolio performance concentration risk and emerging credit trends to executive leadership.
• Collaborate with Lending Operations Risk Analytics Collections Special Assets and Legal to strengthen portfolio quality and maximize recoveries.

• Lead underwriting teams responsible for Consumer Mortgage and Commercial lending.
• Ensure consistent high-quality credit decisions while maintaining regulatory compliance.
• Review and approve complex commercial real estate (CRE) and commercial & industrial (C&I) credit requests.
• Identify and mitigate risks related to fraud collateral portfolio concentrations and underwriting practices.
• Maintain expertise in lending regulations including ATR/QM Fair Lending (Reg B) Regulation 723 and the Fair Credit Reporting Act (FCRA).

• Monitor portfolio performance through key credit metrics including approval rates booking trends and automated decisioning performance.
• Partner with cross-functional teams to improve underwriting efficiency streamline workflows and enhance the borrower experience.
• Recommend policy and process improvements based on portfolio trends and market conditions.

• Lead mentor and develop a team of managers senior underwriters credit officers and analysts.
• Foster a culture of accountability collaboration sound risk management and continuous improvement.
• Build organizational capability through coaching and succession planning.

• Serve as the primary contact for regulatory examinations related to credit underwriting.
• Ensure compliance with all applicable federal and state lending regulations.
• Lead corrective action plans and remediation efforts when necessary.

• Bachelors degree in Finance Accounting Economics Business or a related field.
• 10 years of progressive credit underwriting leadership experience within a bank or credit union.
• 5 years of leadership experience at the Director level or above.
• Extensive experience underwriting Commercial (C&I and CRE) Mortgage and Consumer lending products.
• Comprehensive knowledge of federal lending regulations including ATR/QM Regulation B Regulation 723 and FCRA.
• Strong understanding of commercial and residential valuation methodologies and appraisal standards.
• Experience with Loan Origination Systems (LOS) credit analytics tools and Microsoft Office.

• Proven ability to develop enterprise-wide credit strategies that balance growth with prudent risk management.
• Strong financial analysis and credit modeling expertise.
• Exceptional executive communication and presentation skills including experience presenting to executive leadership and Boards.
• Ability to anticipate emerging market trends and evolving credit risks.
• Sound judgment and decision-making in a fast-paced highly regulated financial environment.

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Saige Partners one of the fastest growing technology and talent companies in the Midwest believes in people with a passion to help them succeed. We are in the business of helping professionals Build Careers Not Jobs. Saige Partners believes employees are the most valuable asset to building a thriving and successful company culture. Contact us to learn more about the opportunity below or check out other opportunities at Experience:

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