SVP Commercial & Small Business

Love Where You Work•Provo, UT

23h

About The Position

As a member of Senior Management, this position is responsible for the overall leadership, strategy, and performance of UCCU’s commercial lending division, including commercial real estate, construction, and small business lending. Oversee credit risk, portfolio management, regulatory compliance, sales and service delivery, and underwriting functions. Provides vision and direction to a team of directors and staff, ensuring delivery of competitive and compliant commercial lending solutions that support the financial success of the organizations membership and long-term growth strategies. Develop policies, procedures, and training programs to ensure efficient and effective operations. The SVP supervises and evaluates subordinate personnel. ESSENTIAL FUNCTIONS AND BASIC DUTIES 1. Strategic Leadership & Program Oversight a. Lead the strategic direction of UCCU’s commercial and business lending programs, ensuring alignment with credit union goals and members needs. b. Oversee development of products and services across commercial real estate, construction, and small business lending, including SBA and government participation programs. c. Establish performance goals, financial targets, and growth strategies for the commercial lending division. d. Represent commercial lending at the senior management level, providing reports and recommendations to executive leadership and the board. 2. Lending Operations & Portfolio Management a. Direct the management of UCCU’s commercial and small business loan portfolio, ensuring balance between growth, profitability and risk. Managing concentration risks, and regulatory limits are within regulation and policy guidelines. b. Oversee loan origination, underwriting, closing, and servicing processes and member satisfaction. c. Monitor loan performance, including delinquencies, concentrations, charge-offs, and credit risk exposure, in compliance with NCUA regulations. d. Assists in approvals or recommendations for loan requests within assigned lending authority. 3. Compliance & Risk Management a. Ensure commercial lending and Member Business Lending and Construction Lending operations comply with NCUA Regulations, SBA requirements, internal policies, and applicable laws. b. Oversee audits, reviews, and regulatory examinations, implementing corrective actions as needed. c. Oversees all collections and foreclosure activities. d. Directs repossessed property management and disposition of commercial properties. e. Oversees and ensures property inspections are thorough and regularly updated. f. Partner with Credit Administration and Risk teams to maintain prudent credit standards, policy adherence, and strong internal controls. g. Stay current on regulatory changes, industry trends, and best practices affecting commercial and business lending. 4. Sales, Service & Community Engagement a. Drive portfolio growth of commercial, construction and business lending through proactive member engagement, referral partnerships, and community involvement. b. Champion a culture of care and service excellence, ensuring members receive high-quality financial solutions and world-class support. c. Build and maintain relationships with business leaders, developers, real estate professionals, and community organizations. 5. Leadership & Talent Development a. Provide direct leadership and coaching to all direct reports and staff. b. Develop and mentor a high-performing leadership team, fostering collaboration, accountability, and continuous improvement. c. Ensure staffing levels, training, and succession planning support current and future growth initiatives. d. Promote the Credit Union's professional reputation is maintained both internally and externally. e. Leads and participates in meetings and committees as required. Serves as a member of the business and commercial loan committees.

Requirements

Bachelor’s degree in business, finance, or a related field; or equivalent combination of experience and education.
Thorough understanding of commercial lending.
Complete knowledge of business lending regulatory requirements, and documentation.
Understanding of collections procedures and related legal actions.
Familiarity with property management.
Understanding of Real Estate Appraisal techniques (commercial) and title issues.
Knowledge of managerial practices, credit union policies and market best practices
Strong knowledge of commercial real estate, construction, small business and SBA loans.
Minimum of five years of related commercial lending experience.
Minimum of five years of supervisory or managerial experience.
Experience handling problem loans and loan workouts.
Experience with the foreclosure process and related litigation.
Strong leadership and supervisory skills.
Excellent financial analysis abilities.
Solid communication and negotiation abilities.
Strong public relations skills.
Able to use all related computer applications and business machines.

Nice To Haves

Master’s degree preferred.

Responsibilities

Lead the strategic direction of UCCU’s commercial and business lending programs, ensuring alignment with credit union goals and members needs.
Oversee development of products and services across commercial real estate, construction, and small business lending, including SBA and government participation programs.
Establish performance goals, financial targets, and growth strategies for the commercial lending division.
Represent commercial lending at the senior management level, providing reports and recommendations to executive leadership and the board.
Direct the management of UCCU’s commercial and small business loan portfolio, ensuring balance between growth, profitability and risk.
Oversee loan origination, underwriting, closing, and servicing processes and member satisfaction.
Monitor loan performance, including delinquencies, concentrations, charge-offs, and credit risk exposure, in compliance with NCUA regulations.
Ensure commercial lending and Member Business Lending and Construction Lending operations comply with NCUA Regulations, SBA requirements, internal policies, and applicable laws.
Oversee audits, reviews, and regulatory examinations, implementing corrective actions as needed.
Drive portfolio growth of commercial, construction and business lending through proactive member engagement, referral partnerships, and community involvement.
Champion a culture of care and service excellence, ensuring members receive high-quality financial solutions and world-class support.
Build and maintain relationships with business leaders, developers, real estate professionals, and community organizations.
Provide direct leadership and coaching to all direct reports and staff.
Develop and mentor a high-performing leadership team, fostering collaboration, accountability, and continuous improvement.
Ensure staffing levels, training, and succession planning support current and future growth initiatives.
Promote the Credit Union's professional reputation is maintained both internally and externally.
Leads and participates in meetings and committees as required.
Serves as a member of the business and commercial loan committees.