AVP, Commercial Credit - Lead Underwriting & Risk Strategy

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

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.