VP of Credit Products

Responsibilities:

• Support Credit Underwriting and Risk Management-
  • Assist the Head of Credit Products in designing and implementing more efficient credit underwriting processes and documentation.
  • Develop tools, metrics, and dashboards to track and improve credit process performance.
  • Collaborate with Risk Management in updates of Risk Control Self Assessments and related control testing.
  • Draft policies, programs, and procedures documents.

• Process Improvement and Project Management:
  • Utilize Six Sigma principles to analyze existing processes, identify inefficiencies, and implement data-driven solutions to improve operational performance.
  • Lead process improvement initiatives that enhance the efficiency of credit underwriting and approval workflows, ensuring alignment with regulatory and risk management standards.
  • Create detailed project plans, set clear milestones, and ensure timely completion.
  • Manage cross-functional projects to implement new/modified credit products, process improvements, technology enhancements as well as address compliance and/or controls requirements.
  • Communicate project updates to stakeholders and resolve issues to maintain project momentum.

• Collaboration and Stakeholder Management:
  • Serve as a key liaison between frontline teams in the Commercial and Corporate Banking organizations, Enterprise Risk Management, Compliance, and Internal Audit.
  • Build strong relationships across business units to ensure alignment and shared focus on clients among Relationship Managers and treasury, capital markets, foreign exchange, and derivatives product partners.

• Regulatory and Industry Expertise:
  • Stay abreast of regulatory developments affecting commercial credit products and ensure compliance with all applicable guidelines.
  • Leverage expertise in middle-market Commercial & Industrial (C&I) lending to provide insights and recommendations that enhance the bank’s credit offerings.

• Leadership and Change Management:
  • Act as a change agent to drive improvements in the relationship manager and client experience regarding credit underwriting and approval processes.
  • Provide mentorship and guidance to junior team members as needed.

Work experience:

• 7+ years of experience in commercial lending, credit underwriting, or consulting related roles within a corporate or commercial banking environment.
• Experience in Commercial Banking and associated Lending and Deposit products.
• Experience with Treasury Services, Capital Markets, and Derivatives is preferred.
• Expertise in credit risk management and underwriting processes for C&I companies.
• Strong understanding of regulatory requirements and risk management best practices.
• Project management certification (e.g., PMP) and/or Six Sigma certification (Green Belt or higher) highly preferred.
• Proven track record of managing complex projects with multiple stakeholders and delivering results on time and within budget.
• Experience with treasury, capital markets, foreign exchange, and derivatives products is a plus.
• Exceptional organizational, analytical, and communication skills.

Competencies/Skills: 

• Strategic thinker with a proactive approach to problem-solving.
• Strong relationship-building and interpersonal skills.
• Excellent verbal and written communication skills.
• Strong attention to detail and ability to multi-task.
• Advanced project management and process optimization capabilities.
• Competency in documenting business processes and procedures.
• Commitment to fostering a culture of collaboration, accountability, and operational excellence.
• Familiarity with leveraged finance credit products preferred.
• Superior knowledge of Microsoft Office applications required; SQL or PowerBI skills are a plus

Education:

• Bachelor’s degree in Finance, Accounting, Business, Data Analytics or a related field; MBA or advanced degree preferred.

The duties listed above are the essential functions, or fundamental duties within the job classification.  The essential functions of individual positions within the classification may differ. Texas Capital Bank may assign reasonably related additional duties to individual employees consistent with standard departmental policy.Texas Capital is an Equal Opportunity Employer.