About the Organization

We are a U.S.-based digital commercial banking and structured lending platform delivering senior secured lending, asset-based finance, middle-market credit facilities, venture debt, and specialty finance solutions to growth-stage and established enterprises nationwide.

Our institution combines advanced credit analytics, AI-driven underwriting models, real-time portfolio monitoring systems, and disciplined risk governance to support multi-billion-dollar lending portfolios across diversified industries, including technology, healthcare, logistics, manufacturing, and renewable energy.

In an environment defined by economic volatility, interest rate shifts, and evolving regulatory oversight, disciplined credit governance and risk intelligence are central to enterprise stability and growth.

We are seeking a strategic Head of Credit to lead national credit policy, underwriting governance, portfolio risk management, and structured credit oversight, fully remote within the United States.

This is not a loan operations role. This is an enterprise-level credit risk leadership mandate.

Job Function

The Head of Credit will define and oversee credit strategy, underwriting standards, portfolio risk analytics, loan approval governance, and credit policy alignment across all commercial lending verticals.

This executive ensures disciplined risk management while supporting sustainable portfolio growth and capital preservation.

Essential Duties and Responsibilities

• Define and implement a national credit risk strategy aligned with institutional growth objectives

• Oversee underwriting standards across commercial, structured, and specialty lending portfolios

• Establish enterprise-wide credit approval governance frameworks

• Lead credit committee operations and decision-making protocols

• Strengthen portfolio monitoring systems, including early-warning indicators

• Oversee stress testing and macroeconomic scenario modeling

• Manage credit exposure, concentration limits, and risk tolerance frameworks

• Guide restructuring and workout strategies for distressed assets

• Align credit policy with federal and state regulatory requirements

• Implement AI-driven credit analytics and predictive risk modeling tools

• Present portfolio risk exposure reports to executive leadership and the Board Risk Committee

• Collaborate with Finance on capital adequacy and provisioning strategies

Strategic Support

• Advise the Chief Risk Officer and the CEO on macroeconomic credit risk positioning

• Support expansion into new lending verticals and structured finance products

• Contribute to M&A due diligence related to loan portfolio acquisitions

• Align credit strategy with capital markets and funding initiatives

• Strengthen regulatory engagement and audit preparedness

• Guide long-term risk-adjusted return optimization

Job Qualifications and Requirements

• 15+ years of progressive credit leadership experience

• 8+ years within commercial banking, structured finance, or institutional lending

• Proven experience managing multi-billion-dollar loan portfolios

• Deep expertise in underwriting complex commercial credit transactions

• Strong knowledge of U.S. banking regulations and credit risk compliance

• Experience leading credit committees and enterprise approval frameworks

• Demonstrated ability to navigate economic cycles and portfolio volatility

• Bachelor’s degree in Finance, Economics, or related field required; MBA preferred

• CFA or professional risk certification preferred

Personal Capabilities and Qualifications

• Strategic risk thinker with disciplined analytical approach

• Executive presence with strong Board-level communication capability

• High integrity and fiduciary accountability

• Data-driven decision-making orientation

• Resilience in volatile financial environments

• Strong negotiation and conflict resolution skills

• Ability to lead distributed credit teams effectively

• Performance-focused leadership style

Working Conditions

• Fully Remote – United States

• Periodic travel for credit committee sessions and regulatory meetings (15–20%)

• High-accountability environment tied to portfolio risk and performance metrics

• Executive-level reporting visibility

• Collaboration with distributed underwriting and risk teams

Compensation & Benefits

Total Executive Compensation Package: $250,000 – $398,000 USD

Executive Compensation Includes:

• Competitive base salary within stated range

• Performance-based annual incentive tied to portfolio quality metrics

• Long-term incentive participation

• Comprehensive health, dental, and vision coverage

• 401(k) with employer contribution

• Remote work flexibility and home office support

• Executive leadership development programs

• Generous PTO and executive leave structure

Why Join Us

• Lead national credit governance within a technology-driven commercial banking platform

• Influence risk-adjusted growth strategy across diversified lending portfolios

• Partner with executive leadership, shaping the future of digital banking

• Competitive executive compensation aligned with institutional stability

• Opportunity to build a disciplined credit infrastructure in a modern financial institution