Director of Credit and Loan Policy Review

Position Overview

Piper Companies is looking for a Director of Credit Policy and Loan Review to support a leading financial institution as it continues to grow and mature its credit risk governance framework. This individual will be responsible for the development, implementation, and ongoing management of consumer, residential, and commercial lending policies while providing independent oversight of credit quality and portfolio performance.

The Director will deliver objective insights to senior leadership, ensure compliance with regulatory and internal policy expectations, and oversee a robust loan review program aligned with the organization’s overall risk appetite.

Responsibilities:

• Develop, implement, and maintain credit policies and procedures across consumer, residential, and commercial lending portfolios
• Design and execute a comprehensive loan review program, including sample-based testing for underwriting quality and policy compliance
• Conduct regular reviews of loan portfolios to assess credit quality, documentation, and emerging risk trends
• Monitor portfolio performance and proactively identify potential credit risk concerns
• Prepare and present detailed credit risk and portfolio performance reporting to senior leadership
• Support the Credit Risk & Fair Lending Committee by preparing agendas, reports, and supporting analytical materials
• Partner closely with loan originations, underwriting, and loan operations teams to ensure adherence to credit standards
• Provide effective oversight, independent challenge, and risk-based recommendations
• Communicate identified exceptions or inconsistencies to loan officers and underwriters
• Support internal audits, external audits, and regulatory examinations
• Perform all duties inherent in a people management role, including leadership, coaching, and oversight
• Perform additional responsibilities as assigned by leadership

Required Qualifications:

• Bachelor’s degree required (Business, Finance, Risk Management, or Accounting preferred) OR a minimum of seven (7) years of directly related experience
• Minimum seven (7) years of experience within a bank or credit union environment
• At least five (5) years of experience in loan review, credit policy, underwriting, credit analysis, or a related discipline
• Hands-on underwriting experience in commercial and/or residential lending
• Proven experience developing and maintaining formal credit policies and procedures
• Minimum three (3) years of experience leading or influencing teams
• Strong understanding of credit risk management, regulatory expectations, and lending best practices

Preferred Qualifications:

• Formal credit risk training or professional certification
• Experience preparing materials for credit risk committees and executive leadership
• Background supporting regulatory examinations and examiner interactions

Compensation & Benefits:

• Salary Range: $160,000-$180,000 (based on experience)
• Benefits Package: Medical, Dental, Vision, 401(k), Paid Time Off, Sick Leave (as required by law), and Holidays

Keywords: #LI-CG1, #LI-Onsite

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