Senior Leader, Centralized Commercial Credit Risk

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

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.