Position Summary:The AVP- Business Banking Credit & Systems serves as the primary credit, systems, reporting, and portfolio management resource for the Business Banking Division. This position is responsible for supporting the division's small business lending activities through financial analysis, credit administration, portfolio monitoring, loan workflow oversight, technology administration, and management reporting. The role partners closely with Business Banking lenders and leadership to ensure efficient loan origination and servicing processes, sound credit risk management practices, accurate and meaningful reporting, effective utilization of lending technologies, and strong portfolio performance. This role also serves as the division's subject matter expert for business lending systems, reporting platforms, credit administration processes, and workflow management, driving operational efficiency, data integrity, and continuous process improvement across the department.
Essential Duties and Responsibilities:Credit Administration and Underwriting - Analyze and underwrite small business lending opportunities, including business term loans, lines of credit, and owner-occupied real estate transactions.
- Prepare financial analyses, cash flow reviews, and credit recommendations.
- Assist the lending team in evaluating borrower repayment capacity, business performance, and overall creditworthiness.
- Coordinate with internal stakeholders to ensure timely and accurate loan decisioning.
- Assist with SBA lending administration, approval and documentation requirements as applicable.
Portfolio Management- Own the development, maintenance, and enhancement of portfolio reporting and analytics to proactively monitor the performance, quality, and risk profile of the small business loan portfolio, identifying trends and providing actionable insights to support business decisions.
- Leverage department technology to track portfolio trends, risk ratings, delinquency levels, and exception reporting.
- Support loan review, audit, and examination requests.
- Recommend and execute improvements to portfolio monitoring processes and controls.
- Oversee and is responsible for all portfolio monitoring activities.
- Monitor borrower financial reporting requirements, covenant compliance, and policy exceptions.
- Identify emerging credit risks and communicate recommendations to Business Banking leadership
System Administration and Technology Management- Own the administration, governance, and continuous improvement of Business Banking loan systems
- Manage user access, permissions, workflow configurations, and system maintenance
- Coordinate system upgrades, testing, implementations, and enhancements.
- Direct the prioritization, evaluation, and implementation of system initiatives; influence technology roadmaps and solution design; and serve as the principal business representative in cross-functional projects involving IT and external partners.
- Recommend and help shape system, process, and operational strategies that improve organizational effectiveness, support growth objectives, and deliver measurable value across the department.
- Serves as a strategic partner to leadership by establishing priorities, evaluating business needs, and developing recommendations that influence departmental and organizational direction.
- Leads initiatives with broad operational impact, drives process and system enhancements, and contributes to the development and execution of business strategies.
- Troubleshoot system issues and coordinate timely resolution.
- Identify automation opportunities that improve efficiency, service levels, and scalability.
- Support implementation and optimization of digital small business lending technologies.
Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.
Education and/or Experience: Generally requires a four-year degree plus a minimum 5-7 years of relevant experience; or an equivalent combination of education and experience.
Skills needed:- Knowledge of implementing loan origination systems and acting as system admin
- Experience leveraging technology to improve efficiencies
- Experience with SBA lending programs strongly preferred
- Strong understanding of small business lending and credit underwriting principles.
- Ability to analyze business financial statements, tax returns, cash flow, and debt repayment capacity.
- Advanced Microsoft Excel and reporting skills.
- Strong analytical, organizational, and project management capabilities.
- Excellent written and verbal communication skills.
- Ability to produce executive-level reporting and business analysis.
- Strong attention to detail and commitment to data accuracy.
- Ability to manage multiple priorities in a fast-paced lending environment.
- Completes all yearly compliance training and testing and complies with bank, federal, and state regulations. Complies with Bank Policies and Procedures. Adheres to departmental and bank-wide CARE standards.
- Other duties may be assigned
Work Environment and Physical Demands: The working conditions and physical demands described here are representative of those that must be met by an associate to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the associate is regularly required to sit, use hands to sort, write and keyboard, and to listen and speak. The associate is frequently required to reach, walk, stoop, crouch. The associate is occasionally required to stand, lift, bend, drive and travel.
