Job Description: Regional Credit Manager
Position Summary
The Regional Credit Manager is responsible for overseeing the credit underwriting process within an assigned region, managing a team of credit analysts, and ensuring the quality, consistency, and timeliness of credit decisions. This role serves as a key control point in the credit lifecycle—reviewing deals both at intake and prior to approval—while managing workflow, team development, and pipeline execution.
Key Responsibilities
- Manage a team of Credit Analysts supporting commercial lending activities
- Oversee the credit pipeline from initial intake through final approval
- Perform preliminary deal review to identify missing information or structural issues
- Conduct final quality control (QC) review before credit packages are submitted for approval
- Assign deals and manage workload distribution across the team
- Ensure credit packages meet internal policy, risk standards, and regulatory requirements
- Partner with senior credit leadership on complex deals and escalations
- Drive turnaround times and maintain efficiency across the underwriting process
- Support implementation and optimization of systems (e.g., nCino)
- Mentor and develop analysts, including preparing them for advancement into senior roles or portfolio management
Team & Reporting Structure
- Reports to: Senior Credit Manager
- Direct reports: Credit Analysts / Senior Credit Analysts
- Works closely with: Credit leadership, lending teams, and approval committees
Qualifications
- 5–10+ years of commercial credit underwriting experience (CRE-heavy preferred)
- Prior leadership experience OR strong desire to grow into a management role
- Deep understanding of:
- Commercial Real Estate (CRE)
- Construction / Development lending
- C&I lending (preferred)
- Strong credit analysis, risk assessment, and structuring skills
- Experience managing pipelines and deadlines in a high-volume environment
- Familiarity with credit systems (nCino preferred)
- Excellent communication and team leadership skills
Preferred Profile
- Senior Credit Analyst or Portfolio Manager ready to step into leadership
- Ability to balance technical credit work + people management
- Comfortable in a fast-paced, growth-oriented bank
Work Environment
- In-office role (flexibility granted case-by-case)
- Team is geographically distributed but highly collaborative