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Job description
Assistant Vice President, Commercial CreditFormed in 1934, Telhio began as a credit union for Columbus Telephone Company (now AT&T) employees. Telhio now serves over 70,000 member-owners throughout central and southwest Ohio. As one of the largest credit unions in Ohio, Telhio is a strong financial institution that continues to serve its members through extraordinary service, innovative financial solutions and community involvement. After generations of service and growth, we never lose focus of our three core values - Caring, Commitment, and Integrity.Summary: The Assistant Vice President (AVP), Commercial Credit is responsible for leading and overseeing commercial credit underwriting activities and credit quality governance. This role manages the Commercial Underwriting team, ensuring sound credit decisioning, consistent credit risk assessment, and alignment with the credit union's strategic objectives and risk appetite. The AVP plays a key leadership role in maintaining underwriting quality, ensuring regulatory compliance, supporting prudent loan growth, and fostering strong partnerships with lending teams.Key ResponsibilitiesLeadership & StrategyLead, coach, and develop the Commercial Underwriting teamEstablish department goals aligned with Telhio's strategic plan and risk tolerancePromote a culture of credit discipline, accountability, and continuous improvementPartner with senior leadership on credit strategy and commercial lending initiativesRecommend and implement enhancements to credit policies, procedures, and risk frameworksEnsure transparency and proactive communication across teamsCredit Underwriting OversightOversee underwriting of commercial loans including:Commercial Real Estate (CRE)Commercial & Industrial (C&I)Lines of CreditSBA/Government-Guaranteed LoansEnsure credit decisions reflect strong analytical rigor and adherence to policyReview and approve complex or high-risk credit transactions within delegated authorityProvide guidance on structuring, risk mitigation, and exception managementEnsure consistent application of risk rating methodologiesCredit Analysis & Financial OversightEnsure high-quality financial analysis across teams, including:Cash flow analysis (traditional business cash flow, global cash flow, and occasionally UCA cash flow as needed)Financial statement spreadingTax return analysisCollateral valuationOversee capitalization rate analysis and loan exposure assessmentsEnsure borrower repayment capacity is accurately assessed and documentedMaintain consistent underwriting standards and documentation quality across the department.Risk Management & ComplianceMaintain compliance with all regulatory requirements and internal credit policiesMonitor exception reports and ensure adherence to target thresholdsStay current on industry trends, market conditions, and regulatory changes impacting credit riskSupport internal and external examinations, audits, and regulatory reviews involving commercial credit activities.Required QualificationsEducation:Bachelor's degree Finance, Accounting, Business, Economics, Business/Administration, Management, Statistics. (required)Advanced degree and/or formal credit training (preferred)Experience:7-10+ years of experience in commercial credit, underwriting, and/or portfolio management (required)3-5+ years of leadership experience managing credit, underwriting, or risk teams (preferred)Experience with SBA or government-guaranteed lending programs (preferred)Knowledge, Skills and Abilities:Knowledge of SBA Standard Operating ProcedureKnowledge of SBA Loan ProductsKnowledge of Abrigo Sageworks (preferred)Advanced analytical and credit risk assessment skillsStrong leadership and team development capabilitiesExpertise in financial statement analysis and cash flow modelingDeep understanding of commercial credit policy, loan structures, and documentationExcellent verbal, written, and interpersonal communication skillsAbility to evaluate complex credit relationships and make sound credit recommendations.Strong judgment and decision-making skills with the ability to balance growth objectives and risk management principles.What You Will EarnCompetitive payOpportunity to earn incentiveBenefits: medical, dental, vision, life and disability insurance6% matching and immediately vested 401(k) planGenerous Paid Time Off and Paid HolidaysOpportunity for personal career growth, continued education and mentorship programsVolunteer opportunities impacting the local communityPhysical DemandsWhile performing the duties of this job, you will need to have good manual dexterity as well as speaking and hearing ability.This position requires sitting; some reaching; standing; some stooping or kneeling.The employee must occasionally lift and move up to 50 pounds.It is expected that the employee will read, compile, compute and record numerical and statistical data.Must drive occasionally.
Worksite address
columbus, OH, 43216, US
Who can apply
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