AI-Driven Commercial Credit & Operations Leader

Community Choice Credit Union; Warren (MI); On-site; USD 90,000 - 130,000; Full time

Job summary

Community Choice Credit Union in Farmington Hills, MI seeks an experienced Commercial Credit and Operations Manager to lead the Commercial Operations team and to ensure efficient, compliant, accurate, and well-documented loan origination, credit analysis, servicing, reporting, and portfolio-management practices—all while delivering an excellent member experience.

You will oversee credit quality and portfolio reporting, strengthen processes, and collaborate with internal partners to support

Qualifications

• Progressive experience in business or commercial lending.
• Commercial credit analyst experience.
• Leadership experience with coaching and developing team members.
• Strong knowledge of financial services and commercial lending products.
• Excellent analytical, organizational, decision-making, and communication skills.
• Ability to manage competing priorities with accuracy and attention to detail.
• Experience developing business plans, managing budgets, improving processes.
• Ability to delegate effectively and build strong working relationships.

Responsibilities

• Lead, coach, and develop a service-focused Commercial Operations team.
• Oversee commercial credit analysis, cash-flow calculations, debt-service analysis, risk ratings, and credit packages.
• Ensure timely completion of annual reviews, financial statement collection, tax monitoring, exception tracking, and SBA reporting.
• Monitor and report portfolio risk, concentration levels, credit quality, workout loans, and restructures.
• Maintain compliance with applicable lending regulations, NCUA requirements, and Community Choice’s Member Business Loan Policy.
• Review monthly and quarterly reporting for accuracy and identify opportunities for improvement.
• Use data, technology, and AI-supported tools to evaluate portfolio trends, risks, and operational performance.
• Improve workflows to provide timely, competitive, and member-focused lending processes.
• Collaborate with Retail, Accounting, Member Solutions, Technology, Marketing, Human Resources, Commercial Alliance, and other business partners.
• Support cross-referrals and help expand relationships with business members.
• Review and approve appraisal and environmental orders and maintain appropriate lending authority.
• Participate in departmental projects, new business initiatives, and mergers as needed.

Skills

Commercial lending

Credit analysis

Leadership

Regulatory knowledge

Analytical skills

Prioritization

Process improvement

Team development

Job description

Community Choice Credit Union in Farmington Hills, MI seeks an experienced Commercial Credit and Operations Manager to lead the Commercial Operations team and to ensure efficient, compliant, accurate, and well-documented loan origination, credit analysis, servicing, reporting, and portfolio-management practices—all while delivering an excellent member experience.

You will oversee credit quality and portfolio reporting, strengthen processes, and collaborate with internal partners to support