Senior Credit Manager - Lead Commercial Underwriting & Risk

New Edge Associates a Talent Acquisition Firm; Miami (FL); On-site; USD 140,000 - 190,000; Full time

Job summary

New Edge Associates in Miami is seeking an accomplished head of credit underwriting to lead a team of underwriters and analysts. You will oversee underwriting for CRE, C&I, SBA, and other lending products, ensure policy compliance, and report to senior committees.

The role requires a deep background in commercial banking credit, formal training, and strong leadership to drive credit quality and regulatory adherence in a dynamic environment.

Qualifications

• Bachelor's degree in Finance, Accounting, or related field; advanced degree preferred.
• 10+ years of commercial banking credit experience including underwriting and credit administration.
• Leadership experience overseeing underwriters and analysts.
• Formal commercial credit training.
• Strong knowledge of credit analysis, financial statements, cash flow, collateral, and loan structuring.
• Experience with CRE, C&I, construction, SBA, asset-based and specialty lending.
• Experience with loan approvals, portfolio management, and asset quality reviews.
• Understanding banking regulations, credit policy, examinations, and loan review processes.
• Experience presenting credit relationships to executives or Loan Committees.
• Strong leadership, communication, and decision-making skills.
• Ability to manage multiple priorities in a fast-paced environment.

Responsibilities

• Lead and manage the Credit Underwriting team, including Senior Credit Underwriters and Credit Analysts.
• Oversee underwriting for commercial lending products including CRE, C&I, asset-based lending, SBA, construction, HOA, HELOC, correspondent banking, and specialty lending.
• Review, structure, and approve commercial loan requests within delegated lending authority.
• Present complex credit relationships and recommendations to the Directors' Loan Committee.
• Ensure compliance with the Bank's Credit Policy, underwriting standards, and regulatory requirements.
• Assist the Chief Credit Officer with development, implementation, and maintenance of the Bank's Credit Policy.
• Monitor changes in banking regulations and ensure credit administration practices remain compliant.
• Review annual commercial loan portfolio reviews, risk ratings, and credit quality assessments.
• Identify deteriorating credits and recommend appropriate risk ratings and corrective action.
• Monitor portfolio concentrations, policy exceptions, and overall credit risk exposure.
• Supervise the preparation of commitment letters and complex loan approval packages.
• Oversee construction loan administration, including draw reviews, budget monitoring, lien management, and collateral controls.
• Approve collateral releases and ensure proper documentation.
• Mentor, coach, and develop credit staff while fostering a consistent credit culture.
• Provide guidance to Relationship Managers on credit structure, risk analysis, and underwriting standards.
• Participate in hiring, performance management, and professional development of Credit Administration staff.
• Serve as a key liaison during regulatory examinations, internal loan reviews, and external audits.
• Attend Loan Committee, Audit Committee, and Board meetings as required.
• Prepare executive and Board-level credit reports and portfolio analysis.

Skills

Leadership

Credit analysis

Regulatory knowledge

Decision making

Communication

Team mentorship

Education

Bachelor's degree in Finance

Advanced degree preferred

Job description

New Edge Associates in Miami is seeking an accomplished head of credit underwriting to lead a team of underwriters and analysts. You will oversee underwriting for CRE, C&I, SBA, and other lending products, ensure policy compliance, and report to senior committees.

The role requires a deep background in commercial banking credit, formal training, and strong leadership to drive credit quality and regulatory adherence in a dynamic environment.