Job Description:
Position Summary:
The Credit Administration Director provides enterprise leadership over the credit union’s credit strategy and credit administration framework, with accountability for aligning lending practices to organizational growth objectives, risk appetite, and regulatory expectations. This role owns the end-to-end credit administration process for the Credit Union, including credit policy governance, retail loan underwriting standards, and approval frameworks. The Credit Administration Director has accountability for the Credit Strategy Committee meetings to guide informed decision-making on credit strategy, portfolio direction, and complex or high-risk lending relationships. The Director serves as an insight driven and future-focused advisor to the Strategic Management Team, influencing portfolio structure, yield, and risk tolerance to support sustainable loan growth and long-term financial performance for the Credit Union.
The position oversees comprehensive loan portfolio monitoring and reporting, delivering forward-looking analysis on performance, concentrations, delinquency trends, and emerging credit risks. Through strong partnership with lending, finance, compliance, and data analytics teams, the Director translates portfolio data into actionable insights that inform strategic lending decisions, marketing campaign design, product design, and risk management initiatives. By advancing data-driven credit governance and enterprise-wide collaboration, the Director ensures sound risk management while enabling the credit union’s mission, member impact, and overall lending performance.
Primary Responsibilities and Duties:
- Provide enterprise leadership over Everwise’s credit administration framework, ensuring lending strategies, credit governance, and underwriting practices align with the credit union’s growth objectives, risk appetite, and long-term financial performance.
- Own and govern the end-to-end credit administration lifecycle, including credit policy management, retail underwriting standards, approval authorities, and exception governance frameworks.
- Lead Credit Strategy Committee meetings, guiding strategic discussion and decision-making related to portfolio direction, risk tolerance, pricing, yield optimization, and complex or high-risk lending relationships.
- Prepare, analyze, and present comprehensive credit portfolio reporting, forward-looking risk analysis, and strategic recommendations to the credit union’s Strategic Management Team.
- Lead the ongoing development, review, and enhancement of loan policies, underwriting guidelines, and credit procedures to ensure consistency, clarity, and alignment with enterprise strategy and regulatory requirements.
- Ensure lending and credit administration practices comply with applicable regulations, NCUA guidance, fair lending standards, and industry best practices.
- Partner closely with compliance, legal, and risk management teams to proactively incorporate regulatory changes and supervisory guidance into credit strategy, policy, and procedures.
- Oversee enterprise-wide loan portfolio monitoring, including analysis of performance trends, delinquency, charge-offs, concentrations, credit quality migration, and emerging risk indicators.
- Deliver actionable portfolio insights through dashboards, reports, and analytics that inform strategic lending decisions, product strategy, marketing campaigns, and risk appetite adjustments.
- Identify, assess, and escalate emerging credit risks or portfolio anomalies, recommending and supporting corrective actions or strategic interventions as needed.
- Partner with Accounting and Finance to support stress testing, ALLL/ACL modeling, scenario analysis, and other credit risk assessments in partnership with finance and accounting to ensure accurate risk measurement and capital planning.
- Serve as a strategic liaison between lending, finance, compliance, and business intelligence teams to ensure credit data integrity, consistency, and usability across the organization.
- Translate complex credit and portfolio data into clear, executive-level insights that influence enterprise decision-making and enable sustainable loan growth.
- Champion data-driven credit governance, analytical tooling, and reporting capabilities to enhance credit quality, operational efficiency, and organizational risk awareness.
Knowledge/Skills:
- Strong knowledge of credit analysis, loan underwriting, and risk management principles.
- Familiarity with NCUA regulations, fair lending laws, and relevant compliance standards.
- Proficiency in loan origination systems, core banking platforms, and data reporting tools (e.g., Power BI, Tableau, or similar).
- Strategic orientation, ability to develop long-term governance plans with supporting tactical execution.
- Executive presence with ability to influence and drove cross-functional buy-in through clear risk articulation.
- Exceptional analytical, written, and verbal communication skills.
- Ability to work cross-functionally and influence stakeholders at all levels of the organization.
- High attention to detail with strong organizational and project management capabilities.
- Efficiently, effectively, and concisely communicate with peer leaders, and executive management.
Minimum Requirements:
- Bachelor’s degree in finance, Business Administration, Economics, or a related field required.
- Master's degree or professional designation (e.g., CCE, CRC) preferred.
- 6+ years of progressive experience in banking operations, credit administration, commercial or consumer lending, or credit risk management within a financial institution.
- Proven track record managing loan portfolio analytics, reporting, and risk monitoring.
- Prior experience in a credit union or community bank environment strongly preferred.
- Demonstrated experience facilitating credit committees or presenting to senior leadership and Boards.
- Availability to work standard business hours, aligned with the Eastern Time Zone, regardless of physical work location.
- Ability and willingness to travel up to 10% of the time for on-site meetings, leadership sessions, conferences, and organizational events, as business needs require.
Location Eligibility
This position is open to candidates residing in the following states: Illinois, Indiana, Michigan, Ohio, Kentucky, Tennessee, and Georgia. Applicants residing outside of these states are not eligible for employment in this role.
Compensation & Benefits
The anticipated salary range for this position is $112,000- $140,000, depending on experience, qualifications, and location. This role may also be eligible for incentive compensation.
We offer a comprehensive benefits package that includes medical, dental, and vision insurance, a 401(k) plan with company match, paid time off, along with other employee programs and perks.
Everwise is an equal opportunity employer. We are committed to creating an inclusive environment for all employees.