Director, Business Lending & Operations

Langley Federal Credit Union seeks a senior leader to direct its business lending and operations, overseeing underwriting, loan servicing, portfolio administration, and treasury management risk controls for commercial and business lending in a hybrid Newport News, Virginia setting.

Responsibilities

• Build and lead teams responsible for commercial underwriting, credit analysis, loan servicing, treasury management, and commercial lending operations.
• Provide senior oversight of underwriting and credit structuring for complex C&I, CRE, and business lending transactions, including covenant design, collateral structures, and financial analysis.
• Establish and maintain underwriting standards, credit policies and procedures, and operational controls to ensure sound lending practices and regulatory compliance, plus quality control over credit memos, loan approvals, annual reviews, covenant tracking, and borrower financial monitoring.
• Oversee the commercial loan pipeline from intake through underwriting, approval, closing, and servicing, ensuring efficiency and timely execution.
• Direct all loan servicing and portfolio administration activities, including financial statement collection, covenant compliance monitoring, and portfolio risk reporting.
• Oversee operational processes related to loan documentation, closings, post-closing review, and system boarding.
• Provide oversight 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.
• Develop and maintain risk rating and profitability matrix tools in partnership with Finance and executive leadership expectations.
• Ensure accurate and timely regulatory and internal reporting, including portfolio analytics and NCUA-related reporting requirements.
• Lead initiatives to improve commercial lending processes, systems, and technology, including loan origination and servicing platforms.
• Manage intake processes and ensure strong service standards for business members, including resolution of complex service or operational issues.
• Identify emerging credit or operational risks and escalate issues to the department Vice President as appropriate.
• Assist with leadership of the Business Lending department in the absence of the Vice President.

Requirements

• Bachelor’s degree in Business Administration, Accounting, Finance, Economics, or related field required.
• Eight to ten years of commercial lending experience, including underwriting complex C&I and commercial loan transactions, required.
• Minimum 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 required.

Competencies

• Service Champion – Adopts a service orientation, building trusting relationships and delivering value for associates, members, and communities.
• Langley Ambassadors – Demonstrates a passion for Langley’s vision, encouraging diversity, equity, and inclusion while considering Langley’s values when making decisions and taking accountability for delivering results.
• Agile in Action – Adapts to changes in the business, demonstrating innovation to improve Langley and advance the business into the future.
• Team Driven – Collaborates across Langley, communicating with transparency, and prioritizing a team-based approach that delivers optimal outcomes for associates, members, and communities.
• Continuous Learners – Maintains an understanding of Langley’s business and how value is delivered to members and actively pursues opportunities to grow oneself and strengthen the organization.

Physical Requirements

The role requires sitting for extended periods and using a computer workstation, with close vision needed to view monitors. The ability to hear and speak clearly is required for interactions with coworkers, members, and vendors. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

Working Conditions

The office environment typically features a moderate noise level. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.