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Atlantic Union Bank · 5 hours ago

Commercial Credit Executive (HYBRID- Richmond, VA)

Richmond, VA

Full-time

Hybrid

Senior Level, Lead/Staff

20+ years exp

Atlantic Union Bank is seeking a Commercial Credit Executive responsible for loan approvals on commercial purpose loans. This role involves managing approval workflows, providing guidance on credit assessments, and collaborating with senior management to enhance credit policies and procedures.

BankingFinancial ServicesWealth Management

Growth Opportunities

Responsibilities

Manages and coordinates approval workflow for a group of Senior Credit Officers and a Commercial Underwriting Team

Signature loan approvals on commercial relationships as approved and recommended by the assigned Senior Credit Officers

Makes recommendations on credits that require the approval of the Chief Credit Officer

Provides coaching and mentoring, and prepares all written performance evaluations, for the assigned Senior Credit Officers

Collaborates with assigned Senior Credit Officer to determine appropriate risk assessment of commercial loan requests including an appropriate level of analysis of borrower's business, management, industry and financial condition and operations

Provides direction and partners with the commercial groups on how to most effectively and efficiently leverage the credit process so that both credit quality and loan growth objectives are met

Provides expertise and leadership in larger more complex credit requests and/or relationships, including arranging and leading discussions among senior bank executives on such requests

Collaborates with the Chief Credit Officer and the Senior Credit Risk Officer in developing, enhancing, drafting or revising credit policies, product guidelines and procedures; management and board reporting, credit training; and various credit risk management/administration projects

Makes joint calls with relationship managers as needed and as time permits

Provides guidance/mentoring to both credit support personnel, relationship managers and regional presidents on risk management issues as requested or otherwise deemed necessary or appropriate

Discusses credits with Internal Loan Review and/or Bank Examiners as required

Works with commercial relationship managers and line management to ensure proper servicing of the commercial loan portfolio

Works with commercial relationship managers and line management to ensure that commercial loan portfolio quality goals are met

Qualification

Commercial banking experienceCredit administrationLoan approval authorityRisk assessmentData analysisLeadership skillsPC proficiencyInterpersonal skillsCommunication skillsConfidentiality

Required

Bachelor's degree in business, finance or related field

Twenty or more years' experience in commercial banking and/or a credit administration position with signature loan approval responsibilities

Ability to work accurately with detailed information

Ability to handle confidential information with the utmost of discretion

Ability to work independently

Strong interpersonal, communication and listening skills

Results oriented, decisive and willingness to be firm when needed

PC proficiency with a working knowledge of word processing and spreadsheet software

Ability to effectively analyze data in order to accurately assess risk from a cash flow, collateral, industry, local market conditions and management perspective in order to ensure appropriate credit and loan structuring decisions are made in a timely manner

Demonstrated leadership and skills in determining and recommending appropriate solutions on problem credits

Maintains current operating knowledge of all job-relevant legal and regulatory requirements through the successful completion of compliance and regulatory training and attendance at all mandatory regulatory compliance activities