Principal - Centralized Commercial Credit

Atlantic Union Bank; Maryland; On-site; USD 90,000 - 135,000; Full time

Job summary

Atlantic Union Bank is seeking a seasoned Credit Risk professional to lead independent credit analysis of complex business loan requests, assess borrower conditions, and monitor portfolio risk within our centralized risk framework.

You will partner with Relationship Managers and credit leadership to structure credit solutions, ensure policy compliance, and provide guidance to junior analysts while staying current on regulatory developments.

Qualifications

• Bachelor's Degree required; equivalent combination of education and experience may be considered.
• Typically requires 6-8+ years prior experience with deep knowledge of credit risk management.

Responsibilities

• Reviews complex business loan requests and performs independent credit analysis, including assessment of borrower financial condition, management, operations, loan structure, and overall credit risk.
• Applies sound judgment to evaluate risk, structure credit solutions, and recommend, approve, or decline credit requests in accordance with lending authority and policy.
• Manages an assigned portfolio through ongoing monitoring, risk rating, portfolio analysis, client credit solution development, and remediation of emerging credit concerns.
• Partners with Relationship Managers, sales teams, and credit leadership to support business objectives, resolve complex credit matters, and ensure timely completion of loan requests and portfolio management activities.
• Provides subject matter expertise, guidance, and review support to less experienced credit professionals, including credit evaluations, loan decisions, and approval concurrence as appropriate.
• Maintains compliance with applicable laws, regulations, policies, procedures, and required training while staying current on regulatory and credit-related developments.

Education

Bachelor's Degree

6-8+ years experience

Job description

Job Profile

Credit Risk Management is responsible for managing and mitigating credit risk within an organization. Activities may include:

• Assessing the creditworthiness of potential borrowers
• Monitoring existing credit exposures to identify potential risks
• Developing and implementing credit risk policies and procedures
• Conducting stress testing and scenario analysis
• Analyzing financial data to evaluate borrower risk profiles
• Collaborating with other departments to ensure compliance with regulatory requirements related to credit risk management

Sub-Family Definition

Credit Risk Management is responsible for managing and mitigating credit risk within an organization. Activities may include:

Career Specialization Definition

Centralized Commercial Credit is responsible for supporting commercial credit activities through centralized underwriting, analysis, approval, documentation, and portfolio support processes. Activities may include credit evaluation, risk assessment, policy compliance, and portfolio monitoring. Other duties as assigned.

Career Level Definition

Recognized subject matter expert in a job area typically obtained through advanced education and work experience. Responsibilities typically include:

• Managing large projects or processes with limited oversight from manager.
• Coaching, reviewing and delegating work to lower level professionals.
• Problems faced are difficult and often complex.

Position Accountabilities

• Reviews complex business loan requests and performs independent credit analysis, including assessment of borrower financial condition, management, operations, loan structure, and overall credit risk.
• Applies sound judgment to evaluate risk, structure credit solutions, and recommend, approve, or decline credit requests in accordance with established lending authority, credit policy, and business needs.
• Manages an assigned portfolio through ongoing monitoring, risk rating, portfolio analysis, client credit solution development, and remediation of emerging credit concerns to maintain portfolio quality.
• Partners with Relationship Managers, sales teams, and credit leadership to support business objectives, resolve complex credit matters, and ensure timely completion of loan requests and portfolio management activities.
• Provides subject matter expertise, guidance, and review support to less experienced credit professionals, including credit evaluations, loan decisions, and approval concurrence as appropriate.
• Maintains compliance with applicable laws, regulations, policies, procedures, and required training while staying current on regulatory and credit-related developments.

Knowledge & Experience

• Bachelor's Degree required; equivalent combination of education and experience may be considered
• Typically requires 6 - 8+ years prior experience, with deep knowledge of job area

Job Code: RMCCCP4 FLSA Status: Exempt Salary Grade: 118

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.

Compensation offered will be based on a variety of factors, including but not limited to education, work experience, skills, certifications, and geographic location, etc.

Eligible teammates may participate in a comprehensive benefits package that includes medical, dental, vision, life insurance, disability coverage, paid time off, retirement savings through a 401(k) plan, wellness resources, and other programs designed to support teammates' health and financial well-being, subject to plan terms and eligibility requirements. In addition, certain positions may be eligible for incentive compensation, bonuses, or other variable compensation, subject to applicable plans and performance criteria. General information on our comprehensive benefits package can be found by visiting Employee Benefits | Banking Career Benefits | Atlantic Union Bank