AVP, Commercial Credit

Telhio Credit Union, Inc.; Columbus (OH); On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

401(k) with match

Competitive PTO

Paid holidays

Insurance: disability & life & AD&D

Wellness incentives

Employee banking benefits

Career advancement

Job summary

Telhio Credit Union, Inc. in Columbus, OH seeks an AVP, Commercial Credit to lead underwriting and risk governance for the commercial portfolio. You will manage the Commercial Underwriting team, ensuring sound credit decisions aligned with strategy and risk appetite.

You will partner with lending and senior leadership to drive prudent loan growth, refine credit policies, and mentor a high-performing team across CRE, C&I, lines of credit, and SBA loans.

Qualifications

• Bachelor's degree in Finance, Accounting, Business, Economics, Business/Administration, Management, Statistics (required)
• Advanced degree and/or formal credit training (preferred)
• 7-10+ years of experience in commercial credit, underwriting, and/or portfolio management (required)
• 3-5+ years of leadership experience managing credit, underwriting, or risk teams (preferred)
• Experience with SBA or government-guaranteed lending programs (preferred)

Responsibilities

• Lead, coach, and develop the Commercial Underwriting team
• Establish department goals aligned with Telhio’s strategic plan and risk tolerance
• Promote a culture of credit discipline, accountability, and continuous improvement
• Partner with senior leadership on credit strategy and commercial lending initiatives
• Recommend and implement enhancements to credit policies, procedures, and risk frameworks
• Ensure transparency and proactive communication across teams
• Oversee underwriting of commercial loans including: CRE, C&I, Lines of Credit, SBA/Government-Guaranteed Loans
• Ensure credit decisions reflect strong analytical rigor and adherence to policy
• Review and approve complex or high-risk credit transactions within delegated authority
• Provide guidance on structuring, risk mitigation, and exception management
• Ensure consistent application of risk rating methodologies
• Credit Analysis & Financial Oversight
• Maintain high-quality financial analysis across teams, including cash flow analysis, financial statement spreading, tax return analysis, collateral valuation
• Oversee capitalization rate analysis and loan exposure assessments
• Ensure borrower repayment capacity is accurately assessed and documented
• Maintain consistent underwriting standards and documentation quality across the department.
• Maintain compliance with all regulatory requirements and internal credit policies
• Monitor exception reports and ensure adherence to target thresholds
• Stay current on industry trends, market conditions, and regulatory changes impacting credit risk
• Support internal and external examinations, audits, and regulatory reviews involving commercial credit activities.

Skills

Analytical skills

Credit risk assessment

Leadership

Credit policy

Financial statement analysis

Cash flow modeling

Communication

Team development

Education

Bachelor's degree in Finance, Accounting, Business, Economics, Business Administration, Management, Statistics

Advanced degree or formal credit training

Tools

Abrigo Sageworks

Job description

At Telhio, we believe proud, valued employees create proud, valued members.

We are committed to developing a pathway of growth for our employees that provides the opportunity for a career—not just a job—where you can develop your skills and be promoted from within, whether working full or part-time!

Our mission is to serve our members' financial needs to create a stronger community. Join our team and you will not only find the pathway of growth you may be looking for, but you'll be helping to make our Ohio communities better and stronger, too.

Working for Telhio has its benefits.

• Immediate vesting eligibility with company-matched 401K
• Competitive paid time off benefits
• Generous number of paid holidays
• Employer paid group disability and group life insurance, plus an AD&D policy
• Incentives for meeting Health & Wellness goals
• Employee-only benefits on checking accounts and loans
• Opportunities for career advancement, and more!

Available Positions

Position:AVP, Commercial Credit

Location: 330 Rush Alley

suite 500

Columbus, OH

Job Id:1116

# of Openings:1

Formed in 1934, Telhio began as a credit union for Columbus Telephone Company (now AT&T) employees. Telhio now serves over 70,000 member-owners throughout central and southwest Ohio. As one of the largest credit unions in Ohio, Telhio is a strong financial institution that continues to serve its members through extraordinary service, innovative financial solutions and community involvement. After generations of service and growth, we never lose focus of our three core values - Caring, Commitment, and Integrity.

Summary:

The Assistant Vice President (AVP), Commercial Credit is responsible for leading and overseeing commercial credit underwriting activities and credit quality governance. This role manages the Commercial Underwriting team, ensuring sound credit decisioning, consistent credit risk assessment, and alignment with the credit union's strategic objectives and risk appetite.

The AVP plays a key leadership role in maintaining underwriting quality, ensuring regulatory compliance, supporting prudent loan growth, and fostering strong partnerships with lending teams.

Key Responsibilities:

• Lead, coach, and develop the Commercial Underwriting team
• Establish department goals aligned with Telhio’s strategic plan and risk tolerance
• Promote a culture of credit discipline, accountability, and continuous improvement
• Partner with senior leadership on credit strategy and commercial lending initiatives
• Recommend and implement enhancements to credit policies, procedures, and risk frameworks
• Ensure transparency and proactive communication across teams
• Oversee underwriting of commercial loans including:
  • Commercial Real Estate (CRE)
  • Commercial & Industrial (C&I)
  • Lines of Credit
  • SBA/Government-Guaranteed Loans
• Ensure credit decisions reflect strong analytical rigor and adherence to policy
• Review and approve complex or high-risk credit transactions within delegated authority
• Provide guidance on structuring, risk mitigation, and exception management
• Ensure consistent application of risk rating methodologies

Credit Analysis & Financial Oversight

• Ensure high-quality financial analysis across teams, including:
  • Cash flow analysis (traditional business cash flow, global cash flow, and occasionally UCA cash flow as needed)
  • Financial statement spreading
  • Tax return analysis
  • Collateral valuation
• Oversee capitalization rate analysis and loan exposure assessments
• Ensure borrower repayment capacity is accurately assessed and documented
• Maintain consistent underwriting standards and documentation quality across the department.
• Maintain compliance with all regulatory requirements and internal credit policies
• Monitor exception reports and ensure adherence to target thresholds
• Stay current on industry trends, market conditions, and regulatory changes impacting credit risk
• Support internal and external examinations, audits, and regulatory reviews involving commercial credit activities.

Required Qualifications:

Education:

• Bachelor's degree Finance, Accounting, Business, Economics, Business/Administration, Management, Statistics. (required)
• Advanced degree and/or formal credit training (preferred)

Experience:

• 7-10+ years of experience in commercial credit, underwriting, and/or portfolio management (required)
• 3-5+ years of leadership experience managing credit, underwriting, or risk teams (preferred)
• Experience with SBA or government-guaranteed lending programs (preferred)

Knowledge, Skills and Abilities:

Knowledge:

• Knowledge of SBA Standard Operating Procedure
• Knowledge of SBA Loan Products
• Knowledge of Abrigo Sageworks (preferred)

Skills and Abilities:

• Advanced analytical and credit risk assessment skills
• Strong leadership and team development capabilities
• Expertise in financial statement analysis and cash flow modeling
• Deep understanding of commercial credit policy, loan structures, and documentation
• Excellent verbal, written, and interpersonal communication skills
• Ability to evaluate complex credit relationships and make sound credit recommendations.
• Strong judgment and decision-making skills with the ability to balance growth objectives and risk management principles.

What you will earn:

• Competitive pay
• Opportunity to earn incentive
• Benefits: medical, dental, vision, life and disability insurance
• 6% matching and immediately vested 401(k) plan
• Generous Paid Time Off and Paid Holidays
• Opportunity for personal career growth, continued education and mentorship programs
• Volunteer opportunities impacting the local community

Physical Demands
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
While performing the duties of this job, you will need to have good manual dexterity as well as speaking and hearing ability. This position requires sitting; some reaching; standing; some stooping or kneeling. The employee must occasionally lift and move up to 50 pounds. It is expected that the employee will read, compile, compute and record numerical and statistical data. Must drive occasionally.

This is a Non-CollectiveBargaining Unit
Telhio is an Equal Opportunity Employer

Family members of current Telhio employees, board or committee members or contractors are not eligible for employment with Telhio.
Please contact Human resources directly at 614-221-3233 ext. 8201 if you have trouble accessing the online site.
Candidates can obtain a paper employment application at any physical branch location if they are unable to apply online.