Director Commercial Lending Jobs (NOW HIRING)

WHAT YOU WILL DO EVERYDAY
As the Manager, Commercial Lending, you will serve as a player-coach leader responsible for both direct commercial lending production and day-to-day leadership of Commercial Lender I-IV roles. Reporting to the Head of Commercial Lending, you will execute the commercial lending strategy by cascading goals, managing performance, coaching lenders, and ensuring consistent execution of credit quality, portfolio management, and member experience standards.
You will maintain a reduced personal commercial loan portfolio while prioritizing team leadership, operational execution, and talent development. This role is critical to translating strategic objectives into consistent results across the commercial lending team.
Direct Reports: Commercial Lender I, II, III, IV,
HOW YOU WILL MAKE AN IMPACT
30% Lead, coach, and develop Commercial Lender I-IV team members to drive consistent production, portfolio quality, and member experience. Cascade annual goals, production targets, and key initiatives from the Head of Commercial Lending into actionable team and individual objectives. Conduct regular pipeline, portfolio, and performance reviews to ensure accountability and early risk identification. Support hiring, onboarding, training, and ongoing development of commercial lending talent. Foster a culture of collaboration, accountability, and continuous improvement across the team.
25% Maintain oversight of team loan portfolios to ensure proper risk ratings, covenant compliance, and adherence to credit policy. Serve as an escalation point for complex credits, portfolio concerns, and member issues. Partner with Credit Analysts, Lender Support Specialists, and Commercial Operations to ensure accurate underwriting, documentation, and closing. Ensure lending decisions are executed within delegated authority and policy guidelines.
20% Manage a smaller personal commercial loan portfolio while maintaining strong credit quality and member relationships. Originate, underwrite, and close commercial loans within delegated authority. Actively cultivate and maintain relationships with key commercial members and centers of influence. Model best-in-class lending, portfolio management, and member engagement practices for the team.
15% Support team-based business development efforts, prospecting campaigns, and referral generation. Participate in commercial community involvement, networking events, and member appreciation activities. Partner with the Head of Commercial Lending on market expansion initiatives and relationship strategies.
10% Ensure consistent execution of lending processes, tools, and reporting across the team. Assist with training initiatives, policy rollouts, and change management efforts. Complete required compliance and professional development training. Other duties as assigned.
-- Must comply with all company policies and procedures, applicable laws, and regulations, including but not limited to, the Credit Union Secrecy Act, the USA PATRIOT Act, and the Office of Foreign Assets Control.
WHAT YOU WILL NEED TO SUCCEED
Experience
5+ years of progressive experience in commercial lending, including preferred 5+ years in leadership roles.
Education / Certifications / Licenses
Bachelor's degree in Business Management, Finance, or related field required or years of experience in lieu of a degree. MBA or equivalent preferred. Must have and maintain a valid driver's license.
PREFERRED SKILLS
- Advanced financial and portfolio analysis.
- Executive-level communication and strategic planning.
- Deep understanding of credit union regulations and commercial lending practices.
- Advanced proficiency in Microsoft Office (Outlook, Word, Excel, PowerPoint)
- Demonstrated knowledge of credit union regulations, products, policies, procedures, and services.
- Interpersonal skills to represent the credit union in a professional and positive way, both internally and externally at all times.
- Exceptional level of commitment to our culture and community.
- Professional appearance and demeanor, excellent interpersonal relations skills, and positive, optimistic outlook.
- Ability to establish and maintain positive working relationships with management, peers, employees and vendors, and the ability to effectively resolve conflict.
- The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust.
- Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues, as well as a professional level of written communication skills are essential to the position.
- Strong team player with outstanding communication, organization, and collaboration skills.
- Able to gather, understand and interpret data to draw conclusions and make quality decisions.
- Ability to provide world class member service while executing Interra's vision, mission and delivery of Core Values.
INTERPERSONAL SKILLS
• Ability to motivate or influence internal or external senior level professionals and or members is a critical part of the job, requiring a significant level of influence and trust.
• Obtaining cooperation and agreement on important outcomes via frequently complex, senior level dialogues.
• Represent the credit union in a professional and positive way, both internally and externally at all times.
COMPETENCIES
- Drive Engagement - Demonstrates drive and fosters an inclusive environment that motivates others. Alters approach to each person to promote optimal performance and commitment to the Interra mission, vision, and objectives.
- Functional Expertise - Possesses a sufficient level of technical and professional skill or knowledge in position-related areas; keeps up with current developments and trends in areas of expertise; actively seeks ways to grow and be challenged using both formal and informal development activities.
- Interpersonal Savvy - Relates to and can connect with diverse individuals and groups at all levels within the organization. Externally, builds appropriate relationships and rapport with members and external partners.
- Process Management - Determines the processes necessary to get things done; organizes people and activities effectively; separates and combines tasks into efficient workflows; creates appropriate measurement systems; leverages synergy and integration to improve efficiency; simplifies complex processes; gets more out of fewer resources.
- Resourceful - Mobilizes and deploys resources (human capital, finances, materials, support, information) effectively and efficiently to accomplish objectives. Can think outside of the box using knowledge of internal structures, processes, and culture to achieve objectives.
- Strategic Agility - Anticipates future possibilities and consequences clearly. Uses broad knowledge and perspective to forecast trends accurately. Future oriented and creates competitive strategies and plans.
ADA REQUIREMENTS
Physical Requirements
• Able to bend, sit, and stand in order to perform primarily sedentary work with limited physical exertion and occasional lifting of up to 10 lbs.
• Must be capable of climbing / descending stairs in an emergency situation.
• Must be able to operate routine office equipment including computer terminals and keyboards, telephones, copiers, facsimiles, and calculators.
• Must be able to routinely perform work on computer for an average of 6-8 hours per day, when necessary.
• Must be able to work extended hours or travel off site whenever required or requested by management.
• Must be capable of regular, reliable, and timely attendance.
Working Conditions
- Must be able to routinely perform work indoors in climate-controlled shared work area with minimal noise.
Mental and/or Emotional Requirements
• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be able to complete basic mathematical calculations, spell accurately, and understand computer basics.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of member service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.
ACKNOWLEDGEMENT
Nothing in the position description restricts management's right to assign or reassign duties and responsibilities to this job at any time. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. This Job description is not a contract and should not be constructed as a guarantee of employment for any period of time. Interra Credit Union is an Equal Opportunity Employer and does not discriminate against employees or applicants based on race color, religion, sex/gender, national origin, disability, age, or any other category protected by law.
Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.