****THIS IS A 100% IN OFFICE ROLE IN HOUSTON, TX - LOCAL CANDIDATES PREFERRED BUT WOULD CONSIDER CANDIDATES OPEN TO RELOCATION.*****

Mid-sized retail & commercial bank based in Houston, TX is looking to this newly created position due to growth within the bank.

Director of Commercial Lending and Regional Credit Officer:

This role will report to the Chief Credit Officer and will be located in the Greenway Plaza area of Houston. It's a 100% in office role. The Director of Commercial Lending and Regional Credit Officer is responsible for the independent assessment and oversight of credit risk ensuring the quality and soundness of credit decisions across all lines of business. This individual serves as a senior credit authority within the Credit Department and provides risk oversight, guidance, and support to regional lending teams. The role contributes to maintaining a strong risk culture, ensuring credit decisions are consistent with the Bank's policies, regulatory expectations, and strategic objectives. Collaborate with lending teams to assist with underwriting and structuring of new and renewed loan requests. Review and approve credit applications; escalate recommendations for larger or complex transactions. Provide guidance on credit-related matters, including exception approvals and loan documentation questions.

Monitor credit quality across assigned regions; identify problem loans and recommend actions related to non-accruals, charge-offs, or risk ratings. Engage with senior lending officers and the Senior Credit Officers to discuss high-risk credits and evolving portfolio concerns. Conduct periodic loan reviews to ensure appropriate credit and collateral documentation, policy compliance, and regulatory adherence.

• Bachelor's degree in Finance, Business, Accounting, or a related field required; advanced degree or professional certification (e.g., CRC, CFA, CPA) preferred.
• 10+ years of progressive experience in commercial banking or credit risk management, with a strong understanding of credit underwriting, regulatory compliance, and loan policy governance.
• Strong analytical skills with the ability to assess complex credit structures and recommend appropriate risk mitigants.
• Proven experience collaborating with relationship teams and influencing credit outcomes without direct authority.
• Excellent communication, organizational, and leadership skills.
• Knowledge of regulatory expectations and industry best practices in commercial credit risk.

Compensation includes salary, bonus plan, as well as a stock/long-term incentive program. Compensation based upon experience.

All qualified applicants will receive consideration for employment without regard to race, color, national origin, age, ancestry, religion, sex, sexual orientation, gender identity, gender expression, marital status, disability, medical condition, genetic information, pregnancy, or military or veteran status. We consider all qualified applicants, including those with criminal histories, in a manner consistent with state and local laws, including the California Fair Chance Act, City of Los Angeles' Fair Chance Initiative for Hiring Ordinance, and Los Angeles County Fair Chance Ordinance. For unincorporated Los Angeles county, to the extent our customers require a background check for certain positions, the Company faces a significant risk to its business operations and business reputation unless a review of criminal history is conducted for those specific job positions.