Principal - Centralized Commercial Credit

Overview

This role supports centralized commercial credit activities through underwriting, credit analysis, approval and documentation, and portfolio support processes. Credit Risk Management responsibilities include assessing creditworthiness, monitoring credit exposures, developing and implementing credit risk policies and procedures, and conducting stress testing and scenario analysis.

Responsibilities

• Review complex business loan requests and perform independent credit analysis, including assessment of borrower financial condition, management, operations, loan structure, and overall credit risk.
• Evaluate risk and recommend, approve, or decline credit requests in accordance with established lending authority, credit policy, and business needs.
• Manage an assigned portfolio through ongoing monitoring, risk rating, portfolio analysis, client credit solution development, and remediation of emerging credit concerns to maintain portfolio quality.
• Partner with Relationship Managers, sales teams, and credit leadership to support business objectives, resolve complex credit matters, and ensure timely completion of loan requests and portfolio management activities.
• Provide subject matter expertise, guidance, and review support to less experienced credit professionals, including credit evaluations, loan decisions, and approval concurrence as appropriate.
• Maintain compliance with applicable laws, regulations, policies, procedures, and required training while staying current on regulatory and credit-related developments.

Knowledge & Experience

• Bachelor’s Degree required; equivalent combination of education and experience may be considered.
• Typically requires 6 - 8+ years of prior experience, with deep knowledge of the job area.

Career Level

• Recognized subject matter expert in the job area, typically obtained through advanced education and work experience.
• Manage large projects or processes with limited oversight from manager.
• Coach, review, and delegate work to lower-level professionals.
• Problems faced are difficult and often complex.

Compensation & Benefits

• FLSA Status: Exempt
• Salary Grade: 118
• Compensation offered will be based on a variety of factors, including education, work experience, skills, certifications, and geographic location, among others.
• Eligible teammates may participate in a comprehensive benefits package that includes medical, dental, vision, life insurance, disability coverage, paid time off, retirement savings through a 401(k) plan, wellness resources, and other programs designed to support teammates' health and financial well-being, subject to plan terms and eligibility requirements.
• Certain positions may be eligible for incentive compensation, bonuses, or other variable compensation, subject to applicable plans and performance criteria.

Location

Not specified.

Additional Information

• Equal Employment Opportunity employer.
• Maintains a drug-free workplace.