Job Title

Director of Credit Leadership Opportunity We are seeking an exceptional leader to join our team as the Director of Credit. This role offers a unique chance to make a positive impact in the communities we serve. In this position, you will provide strategic leadership on all credit-related matters, ensuring that loan decisions support portfolio quality, profitability, and sustainable growth. You will oversee credit approval, administration, and review processes, balancing risk management with business objectives. Key Responsibilities: Provide strategic oversight of credit activities, advising the executive on corporate strategies and contributing to policy and program development. Ensure credit and collections administration aligns with risk appetite, regulations, and policies, addressing deficiencies and implementing preventative measures. Monitor the performance of lending and collections portfolio, analyzing emerging credit risks and stress testing scenarios, and reporting to the Associate Vice President, Risk & Credit. Oversee credit risk by reviewing applications, managing approvals within limits, and mitigating potential losses from delinquency and overdrafts. Ensure adherence to underwriting policies, regulatory requirements, and risk tolerance thresholds while monitoring loan portfolio performance and deterioration of credit quality. Provide subject matter expertise as a voting member of the Asset-Liability Committee (ALCO) and the Management Credit Committee. Oversee the credit adjudication and collections department, including structure, staffing, and resource allocation. Drive performance management, talent development, and succession planning. Ensure staff across the organization receive required training on personal and commercial credit. Coach and support direct reports, providing guidance on operational and service matters. Build internal and external relationships to support credit operations and business growth. Requirements: Bachelor''s degree in Finance, Business Administration, or a related field. 8-9 years of progressive experience in retail and commercial banking with a minimum of 8 years of experience in complex lending, adjudication, and collections. Ability to manage, coach, motivate, and develop employees to ensure high productivity. In-depth understanding of credit adjudication principles, policies, and practices; a proven record of responsible adjudication. Advanced knowledge of retail and commercial lending products, services, and regulatory requirements, including a detailed understanding of revenue streams. You''ll Thrive in This Role If: You have strong problem-solving skills, with the ability to manage complexity, multiple tasks, and priorities for maximum success. You display confidence in decision-making, suggesting solutions consistent with our values, goals, and strategic direction. You possess excellent verbal and written communication skills. You can foster an atmosphere of trust and camaraderie across all levels. You demonstrate time management skills, including ability to effectively prioritize and delegate. You maintain an awareness of the external economic environment. We Offer: A competitive base salary plus corporate incentive pay, and a pension plan with matching funds. Comprehensive group benefits coverage including extended health and dental care, travel insurance, and life insurance, and an Employee and Family Assistance Program. Flexible spending account for additional health and wellness activities and expenses. Flexible work arrangements and paid time off including vacation, medical/care time, personal days, and paid community volunteering. Opportunities for career growth, financial assistance for training and development, and rewards and recognition. Additional benefits including waived or reduced banking fees and reduced rates on personal loans and mortgages.