VyStar Credit Union · 1 month ago
SVP, Commercial Banking
Jacksonville, FL - VyStar Tower
Full-time
Onsite
Senior Level, Lead/Staff
10+ years expVyStar Credit Union is seeking a Senior Vice President of Commercial Banking to lead and manage all functions within the Commercial Services Department. This role is responsible for driving financial performance through effective risk management, loan and deposit growth, and ensuring compliance with regulations while maximizing profitability.
AppsBankingFinanceMortgage
Responsibilities
Sales and relationship management
Special assets, troubled debt and delinquency management
Business deposit growth and quality control
Business products and services development
Operational efficiency and profitability
Leadership of the business services sales team
Meeting all business plan and budget goals on an on-going basis
Oversee the risk management strategy as it relates to all lending products
Monitoring and reviewing all lending policies and procedures
Works with regulatory examiners to accurately represent the credit union’s credit risk strategies
Partners with the Enterprise Risk Group and Finance
Responsible for communicating with a variety of individuals and groups
Provide strategic and tactical direction within VyStar’s Field of Membership (FOM)
Manage a diverse team
Provide direct oversight, coaching and strategic guidance to geographically dispersed sales team
Ensure and manage the proper execution and administration of all Business Services operational and credit risk management policies and procedures
Provide analysis and recommendations for Allowance for Loan and Lease Losses (ALLL)
Manage impaired, downgraded and Troubled Debt Restructure (TDR) loans
Provide direction and guidance with respect to the collection, negotiation, foreclosure, and bankruptcy proceedings of all business loans
Apply effective and sound business credit review, evaluation, structuring, pricing, and competitive credit solutions
Actively manage risk and minimize losses within business deposit portfolio
Develop and actively manage the business deposit Customer Identification Program (CIP) and Money Services Business (MSB) process
Develop and implement business sales calling strategies, processes, and programs
Lead the successful expansion and growth of Business Services across all VyStar delivery channels
Responsible for generating new business loan and fee income
Develop and manage Annual Operating Plan, Financial Budget, and Strategic Business Plan recommendations
Create and proactively review loan policies, procedures, department operations, industry innovations, trends, competitor services, and regulations
Maintain an ongoing knowledge of current regulatory, and policy and procedure changes
Maintain an ongoing knowledge of current economic conditions that affect the business services loan portfolio
Maintain an in-depth knowledge of VyStar’s business products and services
Actively engage the market while representing VyStar and Business Services in the community through active participation in community events and networking functions
Work with CLO and Lending Departments to implement comprehensive credit risk policies and procedures
Assess and analyze credit risk exposure
Monitor and report on portfolio risk metrics, performance, concentrations, delinquencies, credit losses and overall trends
Collaborate with other departments and leaders to establish credit risk appetite
Review and approve any loan requests within delegated authority
Serve in relevant Credit Union committee meetings and provide insight and recommendations
Provide independent oversight of VyStar’s credit approval process
Oversee and execute third-party reviews of the lending portfolio
Resolve credit policy issues identified internally or by the regulators
Establish and maintain robust credit underwriting standards
Makes credit decisions as authorized and reviews loans for approval
Ensures departments remain in compliance with all state and federal laws and regulations
Works with the Information Technology and Information Development Systems groups
Ensures all regulatory reporting is completed on or before the required deadlines
Meet and exceed VyStar Credit Union member service goals and objectives
Meet and exceed VyStar Credit Union performance and production goals and objectives
Perform additional duties as assigned
All employees and business units, as first line of defense, are expected to proactively help identify, assess, manage, and report risks within their domain of work
Qualification
Required
Bachelor's degree
Minimum of ten (10) years in business services or commercial banking and relationship management environment
Advanced knowledge of business tax returns and business financial statements
Advanced understanding of financial analysis including cash flow, profitability, liquidity, leverage and solvency
Advanced knowledge of standard underwriting theory
Demonstrated ability to successfully structure complex credit requests that minimize risk while providing member value
Work requires a broad level of professional experience in commercial lending to include thorough knowledge of commercial underwriting, servicing, and portfolio management
Advanced knowledge of business
Strong verbal and written communication and negotiation skills
Must be a highly motivated, detail oriented, able to multi-task and work in a fast-paced environment while applying critical thinking skills
Proficiency with Microsoft products including Word, Excel, PowerPoint, and Outlook
Preferred
Master's degree in a business, finance or accounting related field
Benefits
401(k) Plan
An extensive paid technical and on-the-job training program
Tuition reimbursement
Company
VyStar Credit Union
VyStar Credit Union offers low loan rates and low- or no-fee financial services.
1001-5000 employees
Funding
Current Stage
Late StageTotal Funding
$200M2022-04-06Debt Financing· $200M
Leadership Team
Casey Callinsky
SVP, Strategic Initiatives
Recent News
2025-12-15
2025-12-10
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