SVP, Treasury & Commercial Credit

VyStar Credit Union•Jacksonville, FL

About The Position

At VyStar, we offer competitive pay, an excellent benefit package that includes a 401(k) Plan, an extensive paid technical and on-the-job training program, and tuition reimbursement--available to all full and part time employees. Part time positions start at a minimum of 30 hours per week. We encourage you to become a part of VyStar Credit Union's family of employees. SVP, Treasury & Commercial Credit ACCOUNTABILITY STATEMENT The SVP, Treasury and Commercial Credit provides enterprise level leadership and strategic direction for the Credit Union’s treasury management and commercial credit functions. This executive role is responsible for building and expanding the Credit Union’s treasury management capabilities. This includes developing and executing a forward-looking commercial treasury strategy, driving new business generation, designing treasury solutions, and cultivating strong partnerships with key external stakeholders to expand market presence and deepen client engagement. In addition, the SVP oversees the full credit lifecycle—including underwriting, credit analysis, credit approval, portfolio oversight, and comprehensive risk management—working closely with the VP of Commercial Credit to ensure disciplined credit practices and alignment with the organization’s risk appetite and growth objectives. Success in this role requires strong collaboration across Commercial Lending, Operations, Finance, Technology, and senior executive leadership. The SVP will champion cross-functional alignment to enhance commercial treasury offerings, strengthen client relationships, and drive sustainable growth, revenue, and enterprise value.

Requirements

Bachelor’s degree or a minimum of eight (8) years of relevant experience is required
12+ years of experience in a business/commercial credit, production, underwriting and/or servicing environment within a financial institution
7+ years of experience supervising others operating in a commercial credit or sourcing environment
6+ years of treasury management experience
Knowledge and understanding of Treasury Service products, credit and risk process, overdraft management discipline, and pricing philosophy
Strong analytical, critical thinking, and problem-solving skills; including the ability to take ownership and work independently while contributing to the broader team
Strong leadership and negotiation skills with business and technical groups including ability to share knowledge, resolve conflicts, and build consensus among many stakeholders.
Positive outlook, strong work ethic, and responsiveness to all internal and external stakeholders.
Excellent verbal and written communication skills are necessary to document and write business recommendations.
Successful track record of leading projects and project teams in a dynamic, fast-paced environment.
Comfortable with ambiguity and willing to take well-reasoned steps in new endeavors.
Demonstrates the ability to set and model positive examples in attitude, behavior, and work ethic.
Ethical and effective in the handling of sensitive, confidential and proprietary information.
Needs to provide realistic and honest feedback regarding risk and potential to Senior and Executive Leadership.
Advanced knowledge and understanding of business and personal tax returns, financial statements, financial analysis, cash flow, profitability, liquidity, leverage and risk management, commercial credit, and loan system applications.
Demonstrated ability to successfully structure complex credit requests that minimize risk while providing member value.
Ability to analyze and understand applicable laws, regulations, regulatory guidance, and State & NCUA regulatory expectations

Nice To Haves

Master’s degree is preferred

Responsibilities

Drive the acquisition of new treasury management business and maintain strong, ongoing client relationships by applying deep treasury product expertise to develop and execute market‑specific strategies and product solutions.
Develop and implement a comprehensive strategic plan for commercial deposits, with a focus on market expansion, deposit growth, and sustainable revenue generation.
Engage with bankers and clients to deliver integrated, consultative treasury solutions, ensuring alignment with client needs, strategic priorities, and the Credit Union’s overall relationship strategy.
Define annual objectives for deposit balances, fee revenue, and portfolio profitability, and guide the organization in meeting these targets while ensuring alignment with broader strategic priorities.
Serve as a key influencer in shaping innovative product offerings, pricing frameworks, and market strategies that enhance customer experience and position VyStar as a leader in the treasury management space.
Serves as the first line of defense (1LOD) by owning, managing, and mitigating treasury and commercial credit risks, ensuring activities operate within the Board‑approved Risk Appetite Framework, and partnering with ERM for effective oversight.
Designs, implements, and maintains 1LOD internal controls to ensure program compliance and effectiveness, and commits to timely, transparent escalation and reporting of breaches to ERM and appropriate risk committees.
Leads incident investigations and corrective action planning, incorporates lessons learned into operations, and collaborates with ERM to establish risk tolerances, metrics, and conduct periodic policy reviews aligned with evolving regulatory and business environments.
Provide executive oversight of service, operational excellence, and compliance across all Commercial Credit functions, ensuring leaders consistently apply policies, procedures, and controls that uphold service quality, optimize productivity, and maintain rigorous confidentiality and security standards.
Establish governance expectations for the handling of exceptions, high‑risk transactions, and member escalations, ensuring a disciplined, enterprise‑aligned approach to issue resolution.
In collaboration with executive-level leadership and the VP, Commercial Credit, set the strategic direction for credit quality and risk management, ensuring credit requests are accurately presented, properly risk‑graded, and supported by sound collateral structures.
Maintain enterprise‑wide credit discipline through robust credit‑risk frameworks, policies, and monitoring practices that ensure compliance with regulatory requirements and align with the Credit Union’s risk appetite.
Develop and inspire leaders and individual contributors, cultivating a high‑performing, collaborative leadership team that drives operational excellence and advances a member‑centric and results‑oriented culture.
Champion leadership development, succession planning, and talent strategy across the Commercial Credit organization.
Partner with executive leadership to shape and evolve the long‑term vision, strategy, and operating model of the Commercial Credit Department.
Provide strategic leadership to ensure execution of departmental initiatives, cross‑functional alignment, and innovation.
Promote a culture of transparency, accountability, and continuous improvement.
Together with the VP, Commercial Credit, actively participate in the Business Loan Committee, ensuring disciplined credit‑decision processes, effective documentation, transparent reporting, and strong risk oversight.
Serve as a senior advisor during loan deliberations, offering strategic insights, risk considerations, and recommendations that align with organizational credit strategy.
In partnership with SVP, Commercial Banking, provide strategic oversight of the credit-related components of the Credit Union’s merger and acquisition strategy. This includes leading due diligence efforts, evaluating acquired organizations’ loan-related policies and practices, and guiding integration planning.
Oversee the development and implementation of credit policies, workflows, and organizational structures that support seamless team assimilation and ensure alignment with the Credit Union’s culture, risk philosophy, and long-term strategic objectives.
Complete ad hoc projects designated by the Chief Lending Officer or SVP, Commercial Banking.
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work. To enhance a healthy risk culture and support our growth for good pillar, employees will maintain vigilance in safeguarding our operations while ensuring compliance with regulatory mandates. The Risk team serves as the second line of defense by providing risk oversight and credible challenge whereas the Audit team serves as the third line of defense by providing risk assurance.
Incumbent is expected to demonstrate each of the following VyStar Excellence behaviors in performing the duties and responsibilities of their job. Focus Focus your full attention by carefully listening to and observing your client or member. Connect Consistently be friendly and approachable. Demonstrate you care. Understand Listen empathetically and ask questions. (70%/30%) Counsel Recommend solutions based on your client’s or member’s needs and objectives. Advance Ensure that member's expectations were exceeded. Verify necessary follow-up action.