Credit Risk Officer Jobs in Michigan (NOW HIRING)

The Chief Commercial Officer (CCO) is responsible for the vision, strategy, leadership, and execution of all Commercial lending and Member Treasury Management activities of the Credit Union. The role ensures balanced growth, strong credit quality, regulatory compliance, efficient operations, and exceptional member experience. The CCO serves as the organization's senior executive for Commercial credit risk management, lending, and Member treasury management strategy, aligning Commercial & deposit products, underwriting standards, pricing, and portfolio performance with the Credit Union's strategic plan, risk appetite, and financial objectives. This role collaborates closely with other Senior Leadership Team Members to drive sustainable Commercial loan growth while protecting the Credit Union's capital and reputation. The Chief Commercial Officer collaborates with both internal and external stakeholders to establish and maintain a market-led, comprehensive multi-year strategy for assigned functions. The position is responsible for efficient and effective Commercial functions, the development and success of assigned staff, and creating/overseeing Commercial products and services as opportunities are identified.

Essential Functions (Majority of duties, but not meant to be all inclusive or prevent other duties from being assigned as necessary)

Strategic Leadership

1. Develop and execute a comprehensive, multiyear Commercial lending and Treasury Management strategy aligned with corporate strategic objectives and market opportunity.
2. Provide enterprise leadership for all assigned business functions, ensuring cohesive strategy, operational integration, and execution excellence.
3. Serve as a member of the Strategic Leadership Team (SLT), contributing to enterprise strategy, planning, and decisionmaking.
4. Ensure integration of the strategic business plan with assigned functional business units in collaboration with peer Officers to ensure effective and efficient Commercial loan and deposit product/service fulfillment efforts, and achievement of a member-centric organization.

Credit Risk & Portfolio Management

1. Establish and maintain prudent Commercial credit risk frameworks, underwriting standards, loan policy, and concentration limits.
2. Monitor Commercial loan portfolio performance, credit quality, delinquency, chargeoffs, and allowance methodology, taking proactive corrective action as needed.
3. Ensure effective stress testing, portfolio analytics, and risk reporting to executive management and the Board of Directors.

Operational Oversight

1. Provide enterpriselevel oversight of Commercial Lending Production & Operations (including Treasury Management and SBA) functions.
2. Provide strategic and operational oversight, ensuring timely, accurate, compliant, and efficient loan origination, underwriting, processing, portfolio management, and servicing.
3. Partner with operations and technology leaders to drive process improvement, automation, scalability, and system optimization.
4. Ensure strong vendor oversight and performance management for all lendingrelated third parties.
5. Implement productivity, service, and quality metrics to measure execution results against the business plan, reporting progress and results to the Strategic Leadership Team (SLT) periodically. Provide input and feedback on the planning and implementation of business plans and results of other functional areas of the Credit Union.

Growth & Market Competitiveness

1. Drive responsible Commercial loan growth through collaboration on product development, pricing strategy, market expansion, and channel optimization.
2. Collaborate with Sales, Marketing, and Retail leadership to ensure lending strategies support Commercial Member acquisition, retention, and relationship deepening.
3. Ensure competitive positioning of Commercial lending products across all markets and delivery channels.
4. Keep informed and apply industry and marketplace knowledge and trends to facilitate the ability of UFCU to recommend Commercial products and services that add value to UFCU members and meet business objectives

Regulatory Compliance & Governance

1. Ensure Commercial lending activities comply with all applicable federal and state laws, regulations, and examiner expectations.
2. Support regulatory exams, audits, and Board reporting related to lending, credit risk, and portfolio performance.
3. Serve as a key executive liaison to the Board or Board committees as called upon.

People Leadership & Development

1. Lead, coach, and develop highperforming Commercial leaders and teams.
2. Build succession plans and ensure leadership depth across all assigned functions.
3. Promote a culture of accountability, risk awareness, collaboration, and member focus.

Education

• Bachelor's degree in business, Finance, Accounting, or related field required; advanced degree preferred.

Experience

In addition to the education requirement:

1.     Minimum of ten years progressive leadership experience in credit union or financialinstitution Commercial lending.

2.     Extensive experience in Commercial credit risk management, loan portfolio oversight, and regulatory environments.

3.     A record of experience and success in growing Commercial loan portfolios and market share - and improving processes, efficiency, and service delivery related to Commercial Lending, Treasury Management, Portfolio Management and Commercial Operations.

4.     Experience leading geographically dispersed Commercial lending production/operations teams, in multiple markets, highly preferred.

5.     Experience with Small Business Administration lending desired.

6.     Experience in developing talent and coaching for improved performance and career development.

Knowledge, Skills and Abilities

1. Deep understanding of Commercial Loan Production, Treasury Management and Operations, including SBA lending.

2.     Organization and strategic business planning skills. Experience working with key management team members to develop sound, professional business line plans and budgets. Demonstrated skill in planning and leading teams to success in strategic initiatives.

3.     Foundational accounting, budgeting, and financial analysis skills. Proficient at reading, interpreting, and making decisions from credit union/bank financial statements. Working knowledge of short- and long-term forecasting and budgeting. Ability to understand, interpret and make decisions about key variables and ratios.

4.     Performance management expertise. Expertise in setting strategic and operational objectives, creating accountability and performance frameworks, and follow-up structures to monitor/adjust activity and recognize and reward results. Expertise in implementing a structure of people, processes and systems that executes strategy successfully.

5.     Ability to evaluate market and loan marketing needs. Skills in translating market analysis into cost-effective, valued services and programs. Experienced at overall implementation of competitive market strategies.

6.     Skills in hiring talent and building effective, cohesive, and performance-oriented teams. Can analyze gaps in team skills and competencies, hire/develop to fill them, and structure leadership teams and functions for efficiency and effectiveness.

7.     Talent Management experience, including positively motivating, mentoring, and coaching to support team productivity, engagement, and retention. Skilled in - and commitment to - internal skills and career development of team members. Experience in talent development and succession planning activities.

8.     Risk Management ability. Expertise in identifying and managing various types of business risks, including Strategic, Legal, Financial, Reputational, Operational, and Security/Fraud. Strong Credit Risk management experience in multiple lending product lines.

9.     Change Management skills. Experienced in challenging complacency and creating urgency for change, establishing change leadership teams, creating, and communicating change visions and plans, institutionalizing change, and navigating team members successfully through transition.

10.  Strategic Thinking and Orientation skills. Conceptualizes, develops, and implements ideas to support the successful execution of United's long-term growth strategy.

11.  Expertise in Negotiating, Persuading, Influencing, and Managing Conflict/Disagreement - and the ability to develop other leaders' skills in these areas

Required Competencies

         Managing Through Systems

         Total Work Systems

         Demonstrates Courage

         Customer Focus

         Integrity & Trust

         Self-Development

         Business Acumen

         Developing Direct Reports & Others

         Organizational Agility

         Strategic Agility

         Managing Vision & Purpose

         Building Effective Teams

Physical Demands

Work involves standing and walking for brief periods of time; most work is done from a seated position, however. There is potential for eyestrain from reading detailed reports and computer screens. Expectations, deadlines, managing and resolving conflict/issues, variable workload and pressure to achieve are inherent to the position.

Working Conditions

Work is normally performed in climate-controlled office environment, where exposure to conditions of extreme heat/cold, poor ventilation, fumes and gases is limited. Noise level is generally low and includes occasional sounds of normal office equipment (computers, telephones, etc.). No known environmental hazards are encountered in normal performance of duties. Long and/or variable hours may be required to accommodate deadlines and meet the expectations of the position. Regular travel to United locations, industry conferences, community meetings, and other events is required.

EOE/Vets/Disability