HOPE (Hope Enterprise Corporation, Hope Credit Union and Hope Policy Institute) provides financial services; leverages resources; and engages in advocacy that strengthens the financial health of people in under-resourced Deep South communities. Since 1994, these efforts have benefited more than three million people in Alabama, Arkansas, Louisiana, Mississippi and Tennessee, and influenced billions in persistent poverty communities across the nation. Learn more at https://www.hopecu.org. 

• Title: SVP, Commercial Credit Administration Manager
• Department: Commercial Lending
• Reports To: Executive Vice President, Chief Lending Officer
• Supervises: VP, Loan Operations Manager, VP, Senior Credit Officer, VP, Portfolio Management, Quality Control Review Officer, Commercial Closing Team Lead, Solar Underwriter III and/or VP, Solar Underwriting
• Job Classification: Full-time; Exempt
• Location: Hybrid (Al, AR, LA, MS, or TN)  

The SVP, Commercial Credit Administration Manager leads the commercial lending divisions, overseeing underwriting, loan operations, closing, portfolio management, compliance, and asset quality. This role sets clear goals aligned with the organization's Strategic Plan, ensuring the team meets performance and growth targets. The SVP stays updated on industry and market trends to maintain regulatory compliance and uphold HFCU's competitive position. They collaborate with internal and external stakeholders on special lending programs and play a strategic role in development, testing, implementation, and compliance oversight.

 Responsibilities:

• Provide leadership and strategic direction to the Commercial Lending leadership team. Collaborate with team leaders to set goals, develop action plans, and assess staffing capacity to meet business objectives. Deliver regular mentoring, coaching, and constructive feedback to support leadership development.
• Oversee HFCU’s credit policy by conducting routine reviews of NCUA regulations and consulting with Compliance partners for regulatory interpretation. Facilitate regularly scheduled training sessions to ensure team understanding and adherence to Board-approved policy.
• Assume ownership and accountability for NCUA examinations and internal audits. Establish and lead a subcommittee to support continuous audit preparedness and ensure efficient exam processes.
• The SVP will provide strategic leadership and oversight of the Solar Lending Program
• Evaluate and address operational needs on an ongoing basis. Develop and communicate clear work priorities to drive operational improvements and enhance team productivity.
• Review commercial and small business loan pipeline requests to determine early-stage viability. Partner with the Commercial Closing Team Leader to ensure compliance with regulatory requirements during the early determination phase. Forecast loan production and identify potential problem credits for reporting to Finance and Fiscal stakeholders.
• Provide strategic direction to the loan production team on loan structuring and pricing parameters. Equip the team with the tools, resources, and ongoing training needed to uphold HFCU’s credit culture. Collaborate closely with the SVP, Director of Lending to maintain credit and policy standards.
• Deliver timely decisions on all credit facilities.
• Issue commercial financing commitment letters on behalf of the organization.
• Monitor and proactively address roadblocks to ensure timely closings of commercial and small business loans.
• Ensure Commercial Lending leadership effectively manage their teams and receive necessary job-specific training and development.
• Support negotiation and development of turnaround and workout strategies for distressed loans. Provide leadership to the VP, Portfolio Manager to design and implement risk mitigation plans.
• Provide strategic leadership for all extension and modification recommendations presented to the Senior Management Loan Committee.
• Collaborate with legal counsel to ensure all commercial loan closings align with approved terms. Maintain oversight of the legal relationship in the closing process.
• Oversee monthly Board reporting for Commercial Lending. Review portfolio quality reports prior to submission and ensure data accuracy in collaboration with team leaders and Data Science Partners.
• Lead and oversee the Credit Risk Management Committee.
• Serve as a voting member of the Senior Management Loan Committee and ensure the accuracy and completeness of final loan packages submitted to the broader Credit Committee.
• Provide strategic guidance on credit quality and data integrity. Provide leadership to the Quality Control Review Officer to advance the Quality Control Exception Reports and implement strategies to reduce documentation and policy exceptions. Collaborate closely with the Loan Closing Department to accept assignments and provide ongoing support throughout the loan closing cycle.
• Perform other duties and special projects as assigned.

 Secondary Functions

• Perform general administrative duties such as attending meetings, report production, etc.
• Ensure Commercial Lending Policies are updated as appropriate and followed by the lending staff.
• Monitor and service special loan programs, including but not limited to the CUAC indirect auto lending program, ACCION USA micro lending program, and other loan servicing and management programs.
• Work with compliance officer to update relevant policies as needed, at least annually (per the Policy Review and Revision Policy)
• Provide information required for investor reporting, as requested by Investor Relations department