Senior Vice President, Business Services & Lending
Sunward
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Zusammenfassung
Sunward Federal Credit Union is seeking an SVP, Business Services & Lending to lead commercial lending, business services, treasury management, and deposit portfolios. This strategic executive role drives credit strategy, risk governance, product development, and portfolio performance.
The position partners with the ELT to shape strategy, oversees regulatory compliance, talent development, and cross-functional initiatives to grow member value and market position.
Qualifikationen
- Minimum 15 years of progressive leadership in commercial lending, credit, or business banking.
- Experience leading large, complex commercial lending organizations or business services functions.
- Bachelor’s degree in business, finance, or related field; equivalent experience considered.
Aufgaben
- Develop and execute enterprise strategy for commercial lending, business services, and treasury management.
- Oversee credit risk governance, policies, and loan quality across portfolios.
- Lead development and enhancement of commercial lending and deposit products.
- Partner with IT to implement technology that improves member experience and efficiency.
- Guide strategy for member business acquisition, retention, and relationships.
- Lead and develop commercial lending leadership teams and foster accountability.
- Manage profitability, growth, and risk in the portfolio; monitor budgets.
- Ensure regulatory compliance and governance, including audits and exams.
- Collaborate cross-functionally on initiatives and external communications.
Kenntnisse
Ausbildung
Tools
Jobbeschreibung
The Senior Vice President (SVP), Business Services & Lending serves as the strategic executive leader responsible for the overall vision, performance, and growth of Sunward Federal Credit Union’s commercial lending, business services, treasury management, and commercial deposit portfolios. This role oversees enterprise-wide commercial credit strategy, risk governance, product development, and portfolio management. The SVP ensures strong financial performance, operational excellence, regulatory compliance, and a member-centric culture across all business lending functions.
The Senior Vice President (SVP), Business Services & Lending serves as the strategic executive leader responsible for the overall vision, performance, and growth of Sunward Federal Credit Union’s commercial lending, business services, treasury management, and commercial deposit portfolios. This role oversees enterprise-wide commercial credit strategy, risk governance, product development, and portfolio management. The SVP ensures strong financial performance, operational excellence, regulatory compliance, and a member-centric culture across all business lending functions.
The SVP is a key contributor to organizational strategy, partnering closely with the Executive Leadership Team (ELT) to drive the Credit Union’s long-term growth objectives and competitive positioning.
- Develop and execute the enterprise strategy for commercial lending, business services, and treasury management in alignment with Sunward Federal Credit Union’s long-term goals.
- Lead the development of commercial credit frameworks, including policies, underwriting standards, risk measurement methodologies, and stress‑testing approaches.
- Drive business loan and deposit growth strategies and ensure alignment with organizational budgets and the strategic plan.
- Assess market trends and competitive dynamics to ensure the Credit Union remains innovative, compliant, and member‑focused.
- Provide executive oversight of commercial credit risk, including portfolio performance, risk rating systems, credit quality, and loss mitigation.
- Approve (within delegated authority) large or complex credit requests and ensure adherence to sound credit practices, regulatory expectations, and internal policy.
- Oversee credit policy refinement, recommending strategic and operational changes to maintain portfolio integrity.
- Oversee all commercial lending operations, including underwriting, loan processing, documentation, servicing, deposit‑related business products, and treasury management services.
- Lead development, enhancement, and feasibility analysis of new commercial lending and deposit products.
- Partner with Information Technology to identify and implement technology solutions that improve member experience, efficiency, and scalability.
- Direct continuous improvement initiatives to increase operational efficiency, streamline processes, and strengthen risk management.
- Guide strategy for member business acquisition, retention, and relationship expansion, including key select employer groups (SEGs).
- Support the development of referral networks, community partnerships, and market visibility to expand the commercial portfolio.
- Champion a service‑driven culture that prioritizes strong member relationships, responsiveness, and customized solutions.
- Lead, mentor, and develop commercial lending and business services leadership teams.
- Foster an environment of accountability, empowerment, and high performance.
- Recruit, retain, and develop top talent to support organizational growth and operational excellence.
- Oversee profitability, growth, and quality of the commercial loan and deposit portfolio.
- Analyze portfolio trends, pipeline performance, and economic factors to drive data‑informed decisions.
- Manage department budgets, ensuring alignment with financial goals.
- Ensure full adherence to all commercial lending and deposit regulations, policies, and procedures.
- Partner with internal audit, external examiners, NCUA, and legal counsel to demonstrate strong governance and remediate issues promptly.
- Maintain robust documentation, reporting, and audit‑ready processes.
- Represent commercial lending perspectives in enterprise initiatives, product launches, and cross‑functional strategic projects.
- Collaborate with Marketing to shape business services growth strategies and external‑facing communications.
- Minimum 15 years of progressively responsible commercial lending, credit, financial services, or business banking leadership experience.
- Extensive experience leading large, complex commercial lending organizations or business services functions.
- Demonstrated success in strategic planning, credit risk governance, product development, and portfolio management.
- Bachelor’s degree in business, finance, or related field; equivalent experience considered.
Own your deliverables and KPIs‑meet or exceed them by giving outcomes and overcoming obstacles.
Treat W3s as promises – execute early, follow through consistently and renegotiate transparently when priorities shift. Reliability builds trust.
Know your business – manage financials, operations and experiences with discipline and in full alignment with Sunward’s key results.
Be a learner now a knower – stay curious, ask questions, adapt quickly and embrace daily learning.
Respect others by being early prepared snd fully tuned in – never distracted or multitasking.
Fuel growth by inviting, giving and acting on feedback – always candid, respectful and forward‑focused.
Build culture through people – hire top talent, coach relentlessly, celebrate wins and manage performance though our Culture of Accountability. Model the culture and values of Sunward.
Set the bar at “the best” – deliver experiences that stand apart and never compromise on quality.
- Expert understanding of commercial lending, business deposits, treasury management, loan documentation, and regulatory requirements.
- Advanced financial analysis skills, including credit underwriting, trend analysis, projections, and portfolio risk modeling.
- Exceptional business acumen with proven ability to develop and execute growth strategies.
- Strong organizational, analytical, and decision‑making capabilities.
- High proficiency with Microsoft Office and lending/credit technology platforms.
- Exceptional communication skills, including the ability to deliver clear, persuasive executive‑level presentations.
- Strong relationship‑building skills with members, internal teams, partners, and industry stakeholders.
- Demonstrated commitment to service excellence and a member‑first culture.
- Travel as needed; ability to sit for prolonged periods and lift up to 20 pounds.
$201,985 to $269,314
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