Senior Middle Market Credit Lead

GENERAL FUNCTION: 

The Senior Credit Lead is accountable for active portfolio management leadership, team development, and credit risk oversight across a Regional or Industry aligned portfolio within Credit Solutions, combining deep credit expertise with strong leadership capabilities to set strategic portfolio direction, effectively manage escalations, partner strategically with Banking and Credit Risk stakeholders, and execute portfolio strategy with discipline. The role requires maintaining a forward-looking view of risk, proactively identifying emerging credit issues and industry trends, and acting decisively to protect asset quality, while serving as a trusted advisor to Banking partners, Credit Risk, and Senior Management and fostering a strong risk culture anchored in consistently high standards of credit judgment and execution. 

Responsible and accountable for risk by openly exchanging ideas and opinions, elevating concerns, and personally following policies and procedures as defined. Accountable for doing the right thing for customers and colleagues and ensuring that actions and behaviors drive a positive customer experience. While operating within the Bank’s risk appetite, achieves results by consistently identifying, assessing, managing, monitoring, and reporting risks of all types. 

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ESSENTIAL DUTIES AND RESPONSIBILITIES: 

• Maintain an enterprise level view of portfolio risk with ownership of portfolio themes and risk outcomes across a Regional or Industry portfolio, ensuring proactive, disciplined portfolio management. 

• Act as the primary point of escalation for complex, higher risk, or sensitive credit situations and lead resolution and risk decisioning in partnership with senior stakeholders. 

• Partner with Banking leadership (Regional Presidents, Group Heads, or Coverage Leaders) to understand business strategy, growth objectives, and pipeline dynamics. 

• Review deal structures, assess borrower viability, and advise on term sheets 

• Maintain a forward-looking, independent assessment of borrower and portfolio creditworthiness, including early identification of emerging risks. 

• Drive credit excellence metrics, including asset quality, policy adherence, underwriting quality, risk rating accuracy, problem loan identification, and timely remediation of issues. 

• Ensure consistent application of credit policy, underwriting standards, and portfolio management practices across teams. 

• Lead portfolio reviews, risk discussions, and escalations with Credit Risk, Credit Risk Review, and Senior Management. 

• Oversee portfolio reporting and ensure delivery of clear, actionable insights and recommendations to senior stakeholders. 

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