Manager - Commercial Lending Operations

Position Summary:

The Commercial Lending Operations Manager is responsible for the effective operation of the Commercial Portfolio Management, Quality Control, and Servicing teams and provides compliance and risk oversight of the commercial lending process. This position facilitates communication and coordination of resources across all functions of Commercial Operations.

Essential Duties and Responsibilities:

Directs and oversees Commercial Portfolio Management, Quality Control, and Servicing teams to ensure efficient, accurate, and compliant operations.

Implements and maintains quality control procedures to identify, assess, and mitigate operational and credit risks across the commercial loan lifecycle.

Serves as the central point of coordination between Commercial Lending, Credit, Legal, Compliance, and other departments to ensure alignment and timely execution of loan processes.

Evaluates and improves operational workflows and systems to enhance productivity, accuracy, and service delivery.

Develops and maintains performance metrics and reporting tools to track team productivity, loan portfolio health, and operational effectiveness.

Oversee the servicing of commercial loans, including payment processing, insurance and property tax tracking, escrow management, covenant tracking, and borrower communications.

Recruits, trains, and mentors team members, fostering a high-performance culture focused on accountability, collaboration, and continuous improvement.

Develops, updates, and enforces policies and procedures related to commercial lending operations to ensure consistency and compliance.

Prepares for and supports internal and external audits and regulatory examinations, ensuring timely and accurate responses to findings.

Collaborates with senior leadership to develop and execute strategic initiatives that support the growth and stability of the commercial lending portfolio.

Minimum Qualifications:

Education:

Bachelor's degree in business administration, Finance, Accounting, or a related field preferred.

Experience:

• Seven plus years of experience in commercial lending loan operations, quality control and portfolio management, with a strong understanding of the full loan lifecycle.
• Three to five years of leadership or management experience in the commercial area of a financial institution.

Knowledge, Skills, and Abilities:

• Proven ability to lead, coach, and develop high-performing teams.
• Deep understanding of commercial loan products, structures, servicing, and portfolio management.
• Knowledge of federal and state regulations affecting commercial lending (e.g., NCUA, TCUD, BSA/AML, Fair Lending).
• Familiarity with credit analysis, risk rating systems, and covenant monitoring. Understanding of loan agreements, collateral documentation, and legal terminology.
• Excellent verbal and written communication skills for interacting with internal teams, auditors, and external stakeholders.
• Strong problem-solving skills with the ability to analyze complex data and make sound decisions.
• Experience in identifying inefficiencies and implementing operational enhancements.

Physical Demands and Work Environment:

(The physical demands and work environment characteristics described herein are representative of those that must be met by an employee to successfully perform essential functions of this position and/or may be encountered while performing essential functions. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.)

• While performing the essential duties of this position, an employee would frequently be required to stand, walk, and sit.
• Specific vision abilities required by this position include close vision, distance vision, and the ability to adjust focus.
• The noise level in the work environment is usually moderate.
• Our company offers a dynamic hybrid work arrangement, which requires three days of on-site work, in the Sugar Land, TX office.

Disclaimer:

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, and skills required of personnel so classified.

Texas Dow Employees Credit Union is an equal opportunity employer, dedicated to a policy of non-discrimination in employment on any basis including race, color, age, protected veteran status, sex, religion, disability, genetic information, national origin, or other status protected by federal, state or local law. Consistent with the American Disabilities Act, applicants may request accommodations needed to participate in the application process.