Chief Credit Architect – Commercial & Small Business

BankUnited; Florida; Hybrid; USD 180,000 - 240,000; Full time

Benefits offered by this job

Hybrid work model

Job summary

BankUnited is seeking a Director of Credit Products in a hybrid Miami Lakes, FL environment to lead underwriting, portfolio management, and credit strategy for Commercial and Small Business Banking. This executive role oversees risk, governance, and process improvements to ensure sound credit decisions aligned with risk appetite and regulations.

The position requires a track record of leadership in credit analysis, portfolio management, and cross-functional collaboration, with focus on building

Qualifications

• Bachelor's degree in finance, accounting, business, economics, or a related field required.
• Advanced degree or relevant professional designation preferred.

Responsibilities

• Leads the strategic direction and operating model for Credit Products supporting Commercial and Small Business Banking, including underwriting, credit analysis, approval readiness, portfolio monitoring, annual reviews, and ongoing credit maintenance.
• Provides executive leadership for credit quality, operating performance, talent management, capacity, and continuous improvement across the function.
• Partners with business, Credit Administration, Risk, Operations, Legal, Compliance, Finance, and Technology leaders to align growth objectives with prudent credit structures and effective risk controls.
• Ensures credit analyses and approval packages provide decision makers with a clear, concise, accurate, and unbiased assessment of the borrower, guarantors, transaction, repayment capacity, collateral, key risks, and mitigating factors.
• Serves as a senior subject matter expert and escalation point for complex Commercial and Small Business credit matters, operating issues, and portfolio risks.
• Represents the function on applicable credit, risk, operating, and governance committees, consistent with authorities established in Bank policy.

Skills

Credit underwriting

Portfolio management

Credit analysis

Regulatory compliance

Executive leadership

Risk management

Stakeholder collaboration

Education

Bachelor's degree in finance, accounting, business, economics, or a related field

Tools

Moody's

Credit platforms

Job description

BankUnited is seeking a Director of Credit Products in a hybrid Miami Lakes, FL environment to lead underwriting, portfolio management, and credit strategy for Commercial and Small Business Banking. This executive role oversees risk, governance, and process improvements to ensure sound credit decisions aligned with risk appetite and regulations.

The position requires a track record of leadership in credit analysis, portfolio management, and cross-functional collaboration, with focus on building