Vice President of Commercial Credit

Think Bank; Rochester (MN); On-site; USD 186,000 - 227,000; Full time

Benefits offered by this job

Health insurance with HSA contribution

Vision insurance

PTO 23 days annually

Seven paid holidays

Paid family leave

Profit sharing bonus

401(k) with employer match

Clothing allowance

Job summary

Think Bank seeks an experienced Vice President of Commercial Credit to lead the Commercial Credit team and shape the bank's commercial lending portfolio. You will oversee underwriting, credit administration, and portfolio risk while partnering with lending and senior leaders to influence strategy and deliver exceptional customer experiences.

The role emphasizes strategic credit leadership, collaboration with Commercial Banking, and driving growth while maintaining portfolio quality and a strong

Qualifications

• Bachelor’s degree in Finance, Accounting, or related field.
• 10+ years in banking or commercial lending.
• 7+ years in commercial credit underwriting and portfolio management.
• 5+ years of leading and developing teams.

Responsibilities

• Lead and develop the Commercial Credit team, including coaching and performance management.
• Shape credit strategy, underwriting standards, and portfolio risk management.
• Partner with Commercial Banking leaders to deliver high-quality client experiences.
• Monitor risk, ensure regulatory compliance, and drive credit quality.

Skills

Leadership

Credit underwriting

Portfolio management

Team development

Education

Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field

Job description

Think Bank is seeking an experienced and strategic Vice President of Commercial Credit to lead our Commercial Credit team and help shape the future of our commercial lending portfolio. This key leadership role oversees commercial underwriting, credit administration, and portfolio risk management while partnering closely with lending and senior leadership to influence credit strategy, support business growth, maintain portfolio quality, and deliver exceptional customer experiences.

The ideal candidate brings deep commercial credit expertise, strong leadership skills, and a balanced approach to risk management and growth. You will play a critical role in shaping credit strategy, supporting complex lending relationships, enhancing underwriting standards, and fostering a strong credit culture throughout the organization.

Lead and Develop the Commercial Credit Team

• Provide leadership, coaching, and performance management for the Commercial Credit team, including Credit Analysts and Commercial Credit Support Specialists.
• Foster employee development through training, mentoring, and individualized growth plans.
• Clearly communicate performance expectations to staff and hold them accountable to expectations.
• Ensure workloads are effectively managed and departmental objectives are met.

Provide Strategic Credit Leadership & Collaboration

• Serve as a key partner to leadership in advancing Think Bank’s credit culture, portfolio management, and strategic growth initiatives.
• Collaborate with Commercial Banking leaders to deliver consistent, high-quality customer experience.
• Partner with organizational leaders to promote consistent customer experience and advance customer-focused outcomes.
• Serve as a trusted advisor on complex credit opportunities and lending relationships.

Drive Credit Quality and Risk Management

• Provide recommendations to strengthen commercial credit policies, underwriting standards, and risk management practices in support of Think Bank’s growth and risk objectives.
• Enhance credit policies, underwriting standards, and risk management practices.
• Manage watchlist credits, workout strategies, and regulatory compliance.

Education and Experience:

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or related field
• Ten years of banking, commercial lending, credit administration, or related financial services experience
• Seven years of progressive commercial credit underwriting and portfolio management experience
• Five years of experience managing and developing teams
• Line experience as commercial lender preferred

Compensation

$206,500

• Health insurance with HSA contribution
• Vision insurance
• Up to 23 days of PTO annually
• Seven paid holidays
• Four weeks of paid family leave
• Profit Sharing Bonus
• Up to 7.5% 401(k) employer match
• Clothing allowance

At Think Bank, we’re focused on delivering on the promise of being a great place to work, and one of the ways we accomplish this is by creating an environment where all employees feel they have the opportunity to achieve their goals. We value our differences - in thought, style, culture, ethnicity, and experience – and understand that diversity and inclusion are good for business and make our company stronger.