Senior Credit Officer and Portfolio Manager

JOB TITLE: Senior Credit Officer and Portfolio Manager

Department: Member Business Lending

FLSA Status: Exempt

WHY JOIN US?

Seattle Credit Union is proud to be an employer committed to the growth and prosperity of its employees, members, and the community. We work in a culture where voices are amplified to drive meaningful change and generate non-stop impact. We offer a comprehensive total rewards package, such as employee-paid medical benefits, 401k matching, and generous time off, such as for volunteering and even to celebrate your birthday! We provide opportunities for employees to learn and grow while fostering an inclusive work culture, and we have a tremendously diverse workforce that drives our ability to innovate and maintain excellence.

Seattle Credit Union is dedicated to helping our members achieve financial prosperity by providing education and banking services that meet their personal goals. We are Inclusive, Inventive and Invested. We are Seattle Credit Union - we build strong and trusting relationships in service of our Mission. Seattle Credit Union is proud to be intentional in recruiting, hiring, and promoting a workplace that is inclusive.

We are an Equal Opportunity/Affirmative Action Employer that celebrates our collective differences and encourages all to apply, including those with different backgrounds, disability, ages, ethnicities, races, religions, gender identities, sexual orientations, national origins, or veteran status’ protected by applicable federal, state, or local law

ABOUT THE ROLE:

We are looking for a Senior Credit Officer and Portfolio Manager who is driven to make a positive impact on our member and employee experience. You are a strategic thinker with a bias for action. You have a relentless pursuit of excellence while bringing others along. You do not settle for mediocrity and are comfortable with challenging the status quo. If you’re always looking for more efficient and innovative ways of working, are thoughtful, intentional, and collaborative, we would love to talk to you!

The Senior Credit Officer and Portfolio Manager will oversee and manage the member business lending credit portfolio. They will be responsible for underwriting and analyzing business and personal financial statements for new and existing members. This position will work closely with the Loan Officers to align timing expectations and workflow of lending activities. Additionally, this position will be responsible for covenant monitoring and ensuring accurate information is presented as this information is heavily relied upon for risk rating and portfolio analysis. This is an exciting opportunity to bring forth new ideas and see those ideas come to life!

WHAT YOU WILL DO:

• Leads the business lending and underwriting function with a focus on operational excellence, ensuring accuracy, compliance, and efficiency across the full lending lifecycle.
• Shapes a strong and consistent credit culture by streamlining processes, promoting sound decision-making, and aligning team practices with organizational values and strategic goals.
• Builds and empowers a high-performing team, providing coaching, mentorship, and development opportunities that foster accountability, collaboration, and continuous improvement with a strong understanding of operational and documentation standards.
• Implements a standardized approach to underwriting encompassing proper credit structure, assignment of risk rating, competitive pricing, and identification of exceptions.
• Promotes a positive departmental image projecting an integrated service to the Credit Union’s lending staff.
• Maintains and monitors the risks of the commercial lending portfolio in alignment with Member Business Lending Committee (MBLC) and SCU’s expectations.
• Develops and monitors credit policies and procedures to administer the safety and soundness of the department.
• Ensures timely and accurate work as well as compliance to loan policies, procedure and regulatory requirements as it relates to all commercial lending activity.
• Approves loans within lending limits, making recommendations