Strategic Commercial Credit & Operations Leader

Community Choice Credit Union; Farmington Hills (MI); On-site; USD 90,000 - 155,000; Full time

Job summary

Community Choice Credit Union in Farmington Hills, MI is seeking an experienced Commercial Credit and Operations Manager to lead loan origination, credit analysis, and portfolio management with a focus on an excellent member experience.

You will build and manage the Commercial Operations team, ensure regulatory compliance, and collaborate across departments to support sustainable growth and strong performance.

Qualifications

• Progressive experience in business or commercial lending.
• Commercial credit analyst experience.
• Leadership experience coaching and developing teams.
• Strong knowledge of financial services, commercial lending products, and applicable state and federal regulations.
• Excellent analytical, organizational, decision-making, and communication skills.
• Ability to manage competing priorities while maintaining accuracy and attention to detail.
• Experience developing business plans, managing budgets, improving processes, and using reporting to drive results.
• Ability to delegate effectively, promote accountability, and build strong working relationships.

Responsibilities

• Lead and develop a knowledgeable, service-focused Commercial Operations team.
• Oversee commercial credit analysis, including cash-flow calculations, debt-service analysis, risk ratings, and credit packages.
• Ensure timely completion of annual reviews, financial statement collection, tax monitoring, exception tracking, and SBA reporting.
• Monitor and report portfolio risk, concentration levels, credit quality, workout loans, and restructures.
• Maintain compliance with applicable lending regulations, NCUA requirements, and Community Choice’s Member Business Loan Policy.
• Review monthly and quarterly reporting for accuracy and identify opportunities for improvement.
• Use data, technology, and AI-supported tools to evaluate portfolio trends, risks, and operational performance.
• Improve workflows to provide timely, competitive, and member-focused lending processes.
• Collaborate with Retail, Accounting, Member Solutions, Technology, Marketing, Human Resources, Commercial Alliance, and other business partners.
• Support cross-referrals and help expand relationships with business members.
• Review and approve appraisal and environmental orders and maintain appropriate lending authority.
• Participate in departmental projects, new business initiatives, and mergers as needed.

Skills

Commercial lending

Credit analysis

Leadership

Regulations knowledge

Analytical skills

Prioritization

Budgeting & process

Team development

Job description

Community Choice Credit Union in Farmington Hills, MI is seeking an experienced Commercial Credit and Operations Manager to lead loan origination, credit analysis, and portfolio management with a focus on an excellent member experience.

You will build and manage the Commercial Operations team, ensure regulatory compliance, and collaborate across departments to support sustainable growth and strong performance.