Position OverviewA well-established financial services organization in the Washington, DC metropolitan area is seeking an experienced commercial credit professional to join its credit risk team.
This position is responsible for managing higher-risk and distressed commercial relationships, developing resolution strategies, and working with borrowers and internal stakeholders to reduce credit exposure while pursuing practical business outcomes.
The role is well suited for someone with a strong background in commercial credit, special assets, restructuring, or problem loan management who is comfortable handling complex situations independently.
The position offers a hybrid work arrangement that includes office-based work, remote work, and meetings with clients or outside professionals as needed.
Key Responsibilities- Oversee a portfolio of higher-risk commercial credit relationships requiring additional monitoring, restructuring, or resolution.
- Evaluate borrower financial condition, repayment ability, collateral support, guarantor strength, and other sources of repayment.
- Develop and execute action plans for challenged commercial loans.
- Manage a mix of commercial real estate and operating-company credit exposures.
- Conduct ongoing financial analysis and identify deterioration or other changes in borrower performance.
- Negotiate amendments, restructurings, repayment arrangements, forbearance agreements, and other credit solutions when appropriate.
- Maintain direct communication with borrowers and other stakeholders throughout the resolution process.
- Coordinate with attorneys, valuation professionals, consultants, and other external service providers.
- Prepare written credit analyses, action plans, risk updates, and recommendations for management review.
- Present significant credit matters to senior leaders and internal approval or risk committees.
- Support regulatory examinations, internal audits, loan reviews, and other credit-risk oversight activities.
- Work closely with relationship managers and lending teams on accounts showing increased risk.
- Monitor broader portfolio developments and provide recommendations regarding underwriting, credit monitoring, or risk-management practices.
- Assist with matters involving bankruptcy, foreclosure, asset disposition, collateral recovery, or other remedies when required.
Qualifications- Approximately 8 or more years of experience in commercial banking, commercial credit, special assets, restructuring, workout, or a related discipline.
- Demonstrated experience handling challenged or distressed commercial credit relationships.
- Strong knowledge of commercial real estate and/or commercial and industrial lending.
- Ability to analyze business and personal financial statements, cash flow, collateral, guarantor support, and repayment capacity.
- Familiarity with risk-rating practices and the management of criticized or classified assets.
- Working knowledge of commercial loan restructuring, bankruptcy, foreclosure, recovery strategies, and related legal processes.
- Strong credit judgment and the ability to develop independent recommendations.
- Effective negotiation and communication skills, particularly in sensitive borrower situations.
- Ability to communicate complex credit matters clearly in both written and verbal form.
- Strong organizational skills and the ability to manage multiple complex relationships simultaneously.
- Bachelor's degree in finance, accounting, business, economics, or a related field preferred. Equivalent relevant experience may also be considered.
Preferred BackgroundExperience or formal training in one or more of the following areas is helpful:
- Commercial credit analysis
- Special assets
- Loan restructuring
- Distressed credit
- Commercial real estate lending
- C&I lending
- Bankruptcy or recovery matters
- Problem loan management
What the Role OffersThis position provides the opportunity to take meaningful ownership of complex commercial credit situations and work directly with borrowers, senior management, lending teams, and outside professionals.
The organization values thoughtful credit judgment, practical problem-solving, and professional borrower communication. The successful candidate will have meaningful autonomy while contributing to the overall credit quality and risk-management practices of a growing commercial loan portfolio.
