Special Assets Commercial Banker ACCOUNTABILITY STATEMENT The Special Assets Commercial Banker is an individual contributor role responsible for the active management, resolution, and risk mitigation of a large, complex portfolio of criticized, classified, and non performing commercial credit relationships. The role is accountable for protecting the Bank’s loan assets, ensuring accurate and timely risk identification, and executing disciplined credit strategies consistent with regulatory expectations and internal credit policy. This position requires independent credit judgment, advanced financial analysis, and the ability to lead complex borrower situations involving restructuring, enforcement, exit, or liquidation. The Special Assets Commercial Banker serves as the primary relationship owner for assigned credits and acts as a trusted advisor to senior leadership, Credit, Risk, Legal, and Commercial Banking partners. ESSENTIAL JOB FUNCTIONS Special Assets Portfolio Ownership • Manage a portfolio of complex special assets relationships, typically consisting of 10–50 borrowers with individual outstandings generally ranging up $50 million per relationship. • Maintain full accountability for assigned credits, including borrower strategy, risk rating integrity, documentation quality, monitoring cadence, and resolution outcomes. • Serve as the primary point of contact for borrowers, guarantors, and internal stakeholders throughout the lifecycle of problem credit management. Credit Analysis, Risk Identification & Regulatory Alignment • Perform comprehensive financial and enterprise‑level analysis to assess borrower viability, liquidity, cash flow sustainability, collateral coverage, and guarantor strength. • Ensure timely and accurate risk ratings, classifications, accrual decisions, and impairment assessments in accordance with regulatory guidance and internal credit policy. • Identify emerging risks and deteriorating trends early and take decisive action to mitigate loss exposure. • Maintain complete, well‑supported credit files suitable for regulatory examination, including clear articulation of risk, mitigants, and management’s strategy. Workout, Restructuring & Resolution Execution • Develop, document, and execute formal plans of action for criticized and non‑performing credits, including restructures, forbearance agreements, amendments, exits, note sales, and liquidation strategies. • Lead borrower negotiations involving covenant violations, defaults, collateral deficiencies, guarantor support, and sponsor engagement. • Maintain deep working knowledge of loan documentation, including credit agreements, covenants, guaranties, collateral perfection, mortgages, and intercreditor agreements. • Partner with Legal to manage enforcement actions, including UCC remedies, foreclosure, receivership, bankruptcy proceedings, and asset disposition. Leadership, Influence & Governance • Act as a key resource to Commercial Bankers, Portfolio Managers, and Credit Officers regarding problem credits and transition into Special Assets. • Serve as a “player‑coach,” personally managing the most complex relationships while providing guidance and mentoring to analysts and junior associates. • Prepare and present executive‑level credit memoranda and materials for senior management, problem loan committees, and regulatory examinations. • Fulfill first‑line‑of‑defense responsibilities by proactively identifying, managing, and escalating risk within assigned relationships. • All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance. Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job: • Focus - Focus your full attention by carefully listening to and observing client or member. • Connect - Consistently be friendly and approachable.  Demonstrate your care. • Understand - Listen empathetically and ask questions (70%/30% rule). • Counsel - Recommend solutions based on your member’s needs and objectives. • Advance - Ensure that member’s expectations were exceeded. • Verify necessary follow-up actions. Job Qualifications Education • Bachelor’s degree in Business, Finance, Accounting, or related field required • Equivalent combination of education and relevant banking experience may be considered Experience • 10+ years of experience in commercial banking, special assets, credit, or workout management with direct responsibility for complex problem credits. • Experience of legal processes, including bankruptcy and UCC foreclosure. Knowledge, Skills, and Abilities • Advanced understanding of financial analysis, commercial real estate lending, enterprise valuation, and complex credit structures. • Demonstrated ability to exercise independent credit judgment in high‑risk, high‑exposure situations. • Strong negotiation, written, and verbal communication skills, with experience interacting with senior executives and regulators. • Working knowledge of bankruptcy, foreclosure, UCC enforcement, and regulatory guidance related to criticized and classified assets. • Highest standards of integrity, accountability, and professional judgment. • Understanding of regulatory requirements and commercial loan documentation. DISCLAIMERS AND WORK ENVIRONMENT Nothing in this position description is an implied contract for employment. The position description is intended to be an accurate account of the essential functions. The functions are not all encompassing and are subject to change at any time by management. The work environment characteristics described are representative of those that an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. As required or requested, may exert up to 20 pounds of force occasionally and/or a negligible amount of force constantly to lift, carry, push, pull or otherwise move objects