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Position:                                Director, Commercial Credit Review Department:                       Commercial Credit Review Reports To:                          Chief Risk Officer               Employment Status:      Full-Time, Exempt Office Location:                 Hybrid, NYC or Miami, FL Supervise:                             Senior Credit Reviewer   Position Summary: The Director of Commercial Credit Review leads the Bank’s independent credit review function for the commercial loan portfolio, which includes a balanced mix of commercial real estate (CRE) and a variety of specialty credits. Reporting to the Chief Risk Officer (CRO) with a dotted reporting line to the Risk Committee of the Board of Directors, the Director provides timely, objective, and risk-focused assessments of credit quality, underwriting practices, risk rating accuracy, portfolio concentrations, and compliance with credit policy and regulatory expectations. In addition to leading traditional credit review activities, the Director will champion the responsible adoption of artificial intelligence (AI) and automation across certain aspects of the credit review function. Working with the CRO, Chief Credit Officer, ERM, Information Security, Internal Audit, and IT, the Director will identify, pilot, and scale AI use cases that improve sample coverage, accelerate turnaround time, sharpen exception identification, and strengthen the Bank’s overall view of credit risk — within a sound governance framework consistent with regulatory guidance. Essential Responsibilities and Duties: Independent Credit Review Program Design, maintain, and execute an annual risk-based credit review plan covering commercial loans, including CRE and a variety of specialty credits. Establish and refresh review scope, sample selection methodology, and coverage thresholds appropriate to a $5–10 billion institution, with documented rationale aligned to the Interagency Guidance on Credit Risk Review Systems. Deliver clear, timely, and well-supported written reports to executive management, the CRO, and the Board’s Risk Committee, with actionable findings and tracked management responses. Maintain the credit review charter, policies, and procedures, ensuring the function’s independence. Loan-Level File Review Lead targeted loan-level reviews assessing underwriting quality, financial analysis, collateral evaluation, structure, documentation, covenant monitoring, and ongoing servicing. Evaluate adherence to the Bank’s credit policy, regulatory requirements, and prudent lending standards. Identify documentation, exception, and policy-deviation trends and escalate root-cause issues to the CRO, CCO and Board Risk Committee. Risk Rating Accuracy & Validation Independently validate the accuracy and consistency of risk ratings (pass and criticized) across the commercial portfolio and assess timeliness of rating changes. Assess the calibration and discriminatory power of the Bank’s risk rating framework; recommend enhancements to definitions, factors, and override governance. Policy & Underwriting Compliance Evaluate the design and operating effectiveness of the Bank’s commercial credit policies, underwriting standards, exception processes, and approval authorities. Identify gaps between policy, practice, and regulatory expectations; recommend enhancements to poli