Director, Commercial Credit Review

About the role

The Director, Commercial Credit Review leads the bank’s independent credit review function for its commercial loan portfolio, covering commercial real estate and specialty credits. Reporting to the Chief Risk Officer and working with the Board’s Risk Committee, the role provides objective, risk‑focused assessments of credit quality, underwriting practices, and regulatory compliance.

Key responsibilities

• Design, maintain, and execute an annual risk‑based credit review plan for a $5–10 billion institution.
• Develop review scope, sample selection methodology, and coverage thresholds aligned with Interagency Guidance.
• Produce clear, timely written reports for executive management, the CRO, and the Board’s Risk Committee.
• Lead targeted loan‑level reviews assessing underwriting quality, collateral, documentation, and covenant monitoring.
• Validate risk‑rating accuracy and consistency across the commercial portfolio.
• Champion responsible AI and automation adoption to improve sample coverage, turnaround time, and exception identification.

Required profile

• Extensive experience in commercial credit risk management within a large banking institution.
• Proven ability to design and execute risk‑based review programs.
• Strong analytical skills with a focus on underwriting quality and risk rating validation.
• Experience collaborating with risk, audit, IT, and information security functions.

Required skills

• Deep knowledge of commercial credit underwriting and risk rating frameworks.
• Understanding of regulatory expectations for credit risk review.
• Familiarity with AI and automation concepts as applied to credit risk processes.