AVP, Associate Director – Credit Specialist

Role Overview

• Provide discipline, vision and oversight for EFD credit function, ensuring processes are standardized, controlled, transparent and responsive.
• Lead the strategic direction and continuous efficiency improvements of our Equipment Finance credit function, including frequent review of the Bank’s loan policy and underwriting standards and bringing forward recommended updates to the Chief Credit Officer to ensure compliance with regulatory requirements and our Stearns Bank N.A. “Credit Strong” culture.
• Build, measure and sustain accountability, urgency, precision, Gold Standard service, financial discipline, and process integrity within the EFD Credit Team.
• Work with other departments to ensure all processes function seamlessly, setting and enforcing clear ownership, accountability, and performance expectations for the EFD Credit team and function.
• Establish, manage, and report on EFD credit performance metrics.
• Provide high-impact strategic leadership and ensure team culture reflects accountability, communication, and performance excellence.
• Lead key projects, transformational initiatives and cross functional workstreams.
• Establish key performance and key risk indicators to oversee and effectively monitor the process that pinpoint effectiveness and ineffectiveness.
• Partner with development teams to enhance processes with Salesforce, .Net options etc. where needed.
• Manage the budget for EFD Credit and ensure staffing and capacity aligns with production trends and strategic objectives.
• Hire, mentor, and develop high-performing credit professionals.
• Promote culture of urgency, precision, professional communication, and financial ownership.
• Model focused partnership level collaboration with internal teams, vendors and customers and reinforce those behaviors across the team.
• Demonstrate a continual professional self-improvement mindset through continued training and education.

Requirements

• Occasionally lift and/or move up to 10 lbs.
• Literacy in English.
• Ability to sit for extended periods of time, twist, bend, sit, walk use hands to twist, handle or feel objects, tools or controls, such as computer mouse, computer keyboard, calculator, stapler, telephone, staple puller, etc., reach with hands and arms, balance, stoop, kneel, talk or hear.
• Specific vision abilities required by the job include close vision, distance vision, peripheral vision, depth perception and the ability to adjust focus.

Benefits

• Employee Stock Ownership Plan & 401k Plan
• Healthcare (Medical, Dental, Vision, Telehealth, Life insurance)
• 12-week Paid Parental Leave and Medical Leave: With a cap of 20 weeks for eligible team members who qualify for both Medical and Parental Leave related to the birth of a child
• $5,000 Family Care Reimbursement: Childcare, Elder Care, Student Loan Debt, Pet expenses, Down Payment Assistance
• PTO from 13 to 23 days depending on tenure. Cashout and Carryover options
• 10 Days Sick Time
• 11 Paid Holidays
• 4 Days Volunteer Time
• 2 Days Self Allowance Time
• Tuition Assistance