Director, Business Lending & Operations

Job Summary

Langley Federal Credit Union seeks a strategic leader to supervise the Business Lending credit and operations functions. The role encompasses underwriting, loan servicing, portfolio administration, and treasury management risk controls. This position directs teams responsible for credit analysis, loan structuring, documentation, servicing operations, and member service resolution for commercial and business lending. The incumbent ensures consistent underwriting standards, operational efficiency, and active portfolio monitoring, while managing treasury management risk for ACH, wires, and payment solutions. It involves developing scalable lending processes, overseeing commercial lending technology platforms, and ensuring accurate reporting and adherence to NCUA regulations. This hybrid remote role is based in Newport News, VA 23606.

Essential Functions, Duties, and Responsibilities

• Lead and develop staff involved in commercial underwriting, credit analysis, loan servicing, treasury management, and commercial lending operations, while providing senior oversight of underwriting and structuring for complex C&I, CRE, and business lending transactions, including covenant design, collateral structures, and financial analysis.
• Establish and enforce underwriting standards, credit policies and procedures, and operational controls to promote sound lending practices and regulatory compliance, including quality control over credit memos, loan approvals, annual reviews, covenant tracking, and borrower financial monitoring.
• Manage the commercial loan pipeline from intake through underwriting, approval, closing, and servicing, ensuring efficiency and timely execution, and oversee all loan servicing and portfolio administration activities, including financial statement collection, covenant monitoring, and portfolio risk reporting.
• Oversee loan documentation, closings, post-closing reviews, and system boarding processes.
• Provide supervision of treasury management risk controls for business services, including ACH, wire transfers, and other payment solutions.
• Monitor the quality of the commercial loan portfolio, including risk rating migration, policy exceptions, past due loans, and credit performance trends, and maintain risk rating and profitability tools in collaboration with Finance and executive leadership.
• Ensure accurate and timely regulatory and internal reporting, including portfolio analytics and NCUA-related reporting requirements.
• Lead initiatives to enhance commercial lending processes, systems, and technology, including loan origination and servicing platforms.
• Manage intake processes and uphold strong service standards for business members, including resolution of complex service or operational issues.
• Identify emerging credit or operational risks and escalate matters to the department Vice President as appropriate.
• Assist with leadership of the Business Lending department in the Vice President’s absence.

Qualifications

• A bachelor’s degree in Business Administration, Accounting, Finance, Economics, or a related field is required; an MBA or related graduate degree is preferred.
• Eight to ten years of commercial lending experience, including underwriting of complex C&I and commercial loan transactions, is required.
• Minimum of five years of experience leading or managing credit, underwriting, or commercial lending operations teams.
• Expert knowledge of commercial credit analysis, financial statement analysis, loan structuring, and covenant design is required.
• Understanding of treasury management services and related operational risk controls is preferred.
• Advanced knowledge of commercial lending technology platforms, including loan origination and servicing systems.
• Comprehensive understanding of regulatory requirements governing commercial lending within a credit union environment, including NCUA guidance.
• Strong organizational and leadership abilities with the capability to manage multiple priorities and deadlines.

Competencies

• Service Champion – Builds trusted relationships and delivers value for colleagues, members, and the community through a service-oriented approach.
• Langley Ambassadors – Demonstrates commitment to Langley’s vision, supports diversity, equity, and inclusion, and aligns decisions with Langley values while delivering results.
• Agile in Action – Adapts to evolving business needs and pursues innovation to advance Langley and the organization.
• Team Driven – Fosters collaboration across Langley with transparent communication and a team-first mindset to achieve optimal outcomes.
• Continuous Learners – Maintains awareness of Langley’s offerings and seeks opportunities to grow professionally and strengthen the organization.

Physical Requirements

The physical demands described are representative of the tasks required to perform the essential functions of this position. Reasonable accommodations may be available for individuals with disabilities to enable performance of these functions. The role requires prolonged sitting and use of a computer workstation, with closer vision needed for monitor viewing. The ability to hear and speak clearly for effective communication with colleagues, members, and vendors is essential.

Working Conditions

The work environment is described as typically moderate in noise. Reasonable accommodations can be provided to support employees with disabilities in performing the essential duties. This description is not exhaustive; duties and responsibilities may change or be added at any time with or without notice.

This job description is intended to reflect the essential duties and responsibilities of the position and may be revised as needed.