Vice President, Credit Administration

First Internet Bank; Fishers (IN); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Medical, Dental, and Vision Insurance

401(k) Plan with Generous Match

Professional Development Reimbursement

Paid Vacation

Eleven Paid Holidays

Paid Volunteer Time

Merchandise allowance

Job summary

First Internet Bank is seeking a Vice President, Credit Administration to independently evaluate and approve commercial credit relationships in line with policies and risk appetite. The role emphasizes CRE and other complex commercial lending, partnering with lending teams to drive responsible growth.

You will provide senior-level credit oversight, ensure policy adherence, and mentor lending staff in risk mitigation and underwriting practices.

Qualifications

• Ten years of commercial credit underwriting experience.
• Bachelor's degree in accounting or finance or related field.
• Strong credit decision skills with confidence.
• Excellent communication and negotiation abilities.
• Solid knowledge of accounting, finance, bank regulation and loan policy.

Responsibilities

• Independently evaluate and approve commercial credit requests within authority.
• Provide senior-level credit oversight for CRE and complex loans.
• Partner with lending and credit teams to structure sound credit solutions.
• Ensure consistent application of credit policy and risk rating methodology.
• Monitor credit quality trends and regulatory expectations.

Skills

Credit underwriting

Credit decisions

Communication skills

Negotiation skills

Education

Bachelor's degree in accounting or finance

Job description

Job Details: Job Location: First Internet Bank of Indiana Fishers - Fishers, IN, Salary Range: Undisclosed

About the Position:

As the Vice President, Credit Administration you will be responsible for the independent evaluation and approval of commercial credit relationships while ensuring alignment with the Bank's credit policies, risk appetite, and regulatory requirements. You will partner with lending teams to support portfolio growth through sound credit decision-making, risk management, and consistent underwriting practices, with an emphasis on Commercial Real Estate and other complex commercial lending transactions.

What You Will Do:

• Independently evaluate and approve commercial credit requests within assigned authority, ensuring credit decisions are well-supported, appropriately structured, and aligned with the Bank's credit policies and risk appetite.
• Provide senior-level credit oversight for Commercial Real Estate and other complex commercial lending relationships, including assessment of borrower strength, collateral support, repayment capacity, market conditions, and overall transaction risk.
• Partner with lending, portfolio management, and credit teams to structure sound credit solutions that support responsible business growth while maintaining prudent risk management standards.
• Support consistent application of credit policy, underwriting standards, approval practices, risk rating methodology, and exception management across the commercial loan portfolio.
• Monitor credit quality trends, economic conditions, industry developments, and regulatory expectations to inform credit decisions and identify emerging portfolio risks.
• Serve as a credit resource and trusted advisor to lending personnel by providing guidance, coaching, and challenge on credit analysis, transaction structure, and risk mitigation strategies.
• Perform other duties and special projects as assigned in support of Credit Administration and the Bank's broader risk management objectives.

What We're Looking For:

• A minimum of ten years commercial credit underwriting experience.
• 4-year college degree in accounting or financial-related area.
• Consideration will also be given to candidate who has prior sales experience in this field but prefers the administrative and more technical aspect of the finance field.
• Must be confident in credit decision skills.
• Strong communication and negotiation skills in working with banking/finance professionals.
• The ability to find compromise while protecting the banks best interests are key.
• Strong working knowledge of accounting and finance, bank regulation, loan policy are extremely important.
• Strong work ethic and responsive nature are key.
• Must be flexible and be able to work in a fast paced, changing environment. On occasion, working extended hours in or out of the office is required.

Working Conditions/Demands:

• Professional office setting.
• Primarily sedentary position requiring long periods of time working at a computer.
• Must be able to move throughout the office and buildings to obtain or relay information.
• Must be able to perform the essential functions of the position with or without reasonable accommodation.

Who Are We?

We're not just another bank and we're not looking for just another employee. Since 1999, First Internet Bank has been dedicated to finding a better way to bank and doing things that have never been done before. Yes, we really were the first state-charted, FDIC insured bank to operate entirely online and we have been leading the way ever since.

We seek the game changers, the innovators...those who challenge the status quo because change really is the only constant. Ready to join a team of imaginative, driven individuals like you? It's your career, you deserve to imagine more. Keep reading, we think you will like you what see.

More about First Internet Bank: Why Join Us?

At First Internet Bank, our workplace is built around people. Guided by four core competencies-Collaborate to Win, Adapt with Agility, Decide for Impact, and Put People First-, we've created an environment where individuals feel empowered, supported, and inspired to do their best work. This commitment to collaboration and growth has earned meaningful recognition, including being named a Top Workplace multiple times and one of the Best Banks to Work For. We're proud of these honors because they reflect what matters most to us: our team.

This culture comes to life at our 175000-square-foot headquarters in downtown Fishers, designed with our people in mind. Inside, you'll find thoughtfully designed workspaces, an onsite fitness center and The Backyard, our 18000-square-foot open-air deck with fire pits, covered pergolas, a waterfall, and plenty of greenery for stepping away and recharging. Add free snacks, soft drinks, beer on tap, unlimited volunteer time off, continuous education opportunities for development and regular team events, and you'll find plenty of ways we support connection and a great workday.

Our benefits package includes the following and so much more:

• Medical, Dental, and Vision Insurance for Full-Time employees - Eligibility begins on day one of employment
• 401(k) Retirement Plan with Generous Match for Full-Time and Part-Time employees - Eligibility begins on day one of employment
• Professional Development Reimbursement
• At Least 3 Weeks Paid Vacation Annually - For New Employees, Paid Vacation is Adjusted Based on Start Date
• Eleven Paid Holidays
• Paid Volunteer Time
• Annual First Internet Bank-branded merchandise allowance

Equal Opportunity Employer - Women, Minorities, Veterans and Individuals with Disabilities

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The contractor will not discharge or in any other manner discriminate against employees or applicants because they have inquired about, discussed, or disclosed their own pay or the pay of another employee or applicant. However, employees who have access to the compensation information of other employees or applicants as a part of their essential job functions cannot disclose the pay of other employees or applicants to individuals who do not otherwise have access to compensation information, unless the disclosure is (a) in response to a formal complaint or charge, (b) in furtherance of an investigation, proceeding, hearing, or action, including an investigation conducted by the employer, or (c) consistent with the contractor’s legal duty to furnish information. 41 CFR 60-1.35(c).