Job Description

*This is a banking position. Candidate MUST be local to Miramar, Florida*

The SVP/Commercial Credit Manager & Loan Administration Officer serves as a senior credit authority and strategic leader within the Commercial Banking division. This role oversees commercial credit analysis, underwriting standards, loan administration, and portfolio risk management across Commercial & Industrial (C&I), Commercial Real Estate (CRE), and specialty finance transactions.

The position partners closely with senior commercial lenders, relationship managers, and executive leadership to evaluate complex credit requests, maintain sound lending practices, and ensure compliance with regulatory requirements. The ideal candidate brings extensive commercial credit experience, strong leadership capabilities, and deep knowledge of the South Florida commercial banking market.

Job Responsibilities

• Evaluate complex commercial credit requests, independently prepare credit analysis reports, and recommend approval for C&I, CRE, and specialty finance transactions.
• Develop, implement, and refine credit underwriting policies, procedures, and best practices in alignment with regulatory requirements and the institution's risk appetite.
• Oversee the loan administration lifecycle, including origination, portfolio monitoring, covenant compliance, renewals, and problem loan resolution.
• Conduct and direct advanced financial analysis of corporate financial statements, multi-entity structures, international holdings, individual tax returns, and personal financial statements of high-net-worth borrowers.
• Lead, mentor, and develop credit analysts by establishing performance standards, conducting evaluations, and supporting professional development.
• Collaborate with senior commercial lenders and market leaders to structure credit facilities that meet client needs while maintaining appropriate risk management and collateralization.
• Present credit recommendations and portfolio updates to senior loan committees, executive leadership, and board-level risk committees.
• Monitor portfolio performance, emerging credit risks, economic conditions, and market trends affecting South Florida commercial lending.
• Prepare executive-level reports covering portfolio performance, risk ratings, criticized and classified assets, and lending pipeline analytics.
• Maintain knowledge of South Florida's commercial banking landscape, including real estate, hospitality, healthcare, international trade, and professional services.
• Ensure compliance with applicable banking regulations, BSA/AML requirements, internal credit policies, and loan documentation standards.
• Partner with Legal, Finance, Operations, and Risk Management on loan structuring, documentation, and enterprise risk initiatives.
• Support regulatory examinations, audits, and other credit-related reviews while promoting a culture of accountability and sound risk management.
• Perform additional duties as assigned by management.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field required.
• Minimum of 15 years of progressive commercial credit experience within the banking industry, including at least 5 years in a senior leadership or credit authority role.
• Demonstrated experience evaluating complex C&I, CRE, and structured credit transactions.
• Established knowledge of and relationships within the South Florida commercial banking market.
• Strong understanding of federal and state banking regulations, credit policies, loan documentation, and BSA/AML requirements.
• Proven ability to lead, mentor, and develop credit teams.
• Advanced skills in financial analysis, cash flow modeling, credit risk assessment, and risk rating methodologies.
• Excellent written and verbal communication skills, including the ability to present complex credit matters to executive leadership, board members, and regulatory examiners.
• Strong judgment, analytical skills, organizational abilities, and cross-functional collaboration skills.
• MBA or master's degree in Finance, Accounting, or a related field preferred.
• Completion of a formal bank credit training program preferred.
• 20+ years of banking experience with demonstrated progression into senior leadership preferred.

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