VP of Commercial Lending

Diversified Members Credit Union; Detroit (MI); Hybrid; USD 140,000 - 210,000; Full time

Job summary

Diversified Members Credit Union is seeking a Vice President of Commercial Lending to lead the strategy and operations of our commercial lending portfolio. The role emphasizes risk-aware growth, staff leadership, and collaboration with internal teams to deliver competitive loan solutions.

Based in the Detroit Metropolitan Area with some work-from-home flexibility, this role oversees loan origination, underwriting, risk oversight, and product development while partnering with SBA and community

Qualifications

• Bachelor’s degree in Finance, Business, Economics, or related field.
• Strong underwriting skills with the ability to assess credit risk.
• Experience with SBA programs and guidelines for commercial lending.
• Proven leadership of lending teams and active member relationship management.
• Excellent analytical, negotiation, and communication skills.

Responsibilities

• Oversee origination and underwriting of commercial loans.
• Guide staff on complex credit decisions and regulatory compliance.
• Develop and manage commercial loan products with internal teams.
• Drive business development and maintain relationships with SBA and community partners.

Skills

Commercial lending

Underwriting

Credit risk analysis

Leadership & coaching

Business development

Communication skills

Education

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

Advanced degree or professional certifications (CRC, CFA, CCE) are a plus

Job description

Company Description

Diversified Members Credit Union (DMCU) is a Michigan-based financial institution that has served members since 1929, building long-term stability and trust through changing economic cycles. Membership is open to individuals who live, work, worship, or attend school in Michigan, with over 25,000 members benefiting from a full range of financial products and services. The organization emphasizes personalized guidance from financial experts, supporting members through key life stages from education to retirement. DMCU is deeply committed to service and community, focusing on helping members reach their full personal and financial potential. With more than $500 million in assets, four branches in Detroit, Novi, and Clawson, and extensive shared branch and ATM networks, DMCU offers broad accessibility and convenience, and is federally insured by the NCUA and an Equal Housing Lender.

Role Description

The VP of Commercial Lending is a full-time, role based in the Detroit Metropolitan Area, with flexibility for some work from home. This role leads the commercial lending function, including the development and management of commercial loan portfolios that align with DMCU's strategic and risk objectives. Day-to-day responsibilities include overseeing loan origination and underwriting, guiding staff on complex credit decisions, and ensuring compliance with regulatory and internal policies. The VP collaborates with internal teams to design and enhance commercial loan products, drives business development efforts with prospective and existing members, and maintains strong relationships with external partners such as SBA and community organizations. This role also monitors portfolio performance, prepares reports for senior leadership, and contributes to strategic planning for growth and member service within the commercial segment.

Qualifications

• Demonstrated expertise in Commercial Lending and Loans, including structuring, pricing, and managing diverse commercial credit facilities.


• Strong Underwriting skills, with experience assessing credit risk, analyzing financial statements, and making sound credit recommendations.


• Solid Finance background, with the ability to interpret financial data, understand capital adequacy, and support strategic financial decisions.


• Knowledge of SBA programs and related lending guidelines, with experience originating or managing SBA-backed commercial loans.


• Proven leadership experience managing lending teams or departments, including coaching, performance management, and talent development.


• Track record of business development, member relationship management, and community engagement within a financial services or credit union environment.


• Thorough understanding of regulatory requirements and industry best practices related to commercial lending and credit risk management.


• Bachelor's degree in Finance, Business, Economics, or related field; advanced degree or professional certifications (e.g., CRC, CFA, CCE) are a plus.


• Excellent analytical, negotiation, and communication skills, with