Senior Principal, Centralized Commercial Credit Risk

Atlantic Union Bank; Richmond (VA); On-site; USD 110,000 - 170,000; Full time

Benefits offered by this job

Medical insurance

401(k) plan

Wellness resources

Job summary

Atlantic Union Bank is seeking an experienced Credit Risk professional to manage complex credit analysis and portfolio oversight in a regulated environment. The role emphasizes strong judgment in evaluating borrower risk and structuring credit solutions aligned with lending policy.

The position involves collaborating with relationship managers and credit leadership to drive timely loan decisions, maintain portfolio quality, and ensure regulatory compliance across the enterprise.

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 job area

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 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.

Skills

Credit risk analysis

Portfolio monitoring

Loan evaluation

Regulatory compliance

Leadership

Education

Bachelor's degree

Tools

Financial modeling

Excel

Credit software

Job description

Atlantic Union Bank is seeking an experienced Credit Risk professional to manage complex credit analysis and portfolio oversight in a regulated environment. The role emphasizes strong judgment in evaluating borrower risk and structuring credit solutions aligned with lending policy.

The position involves collaborating with relationship managers and credit leadership to drive timely loan decisions, maintain portfolio quality, and ensure regulatory compliance across the enterprise.