Special Credits Director

Special Credits Director

Columbus, OH, United States and 2 more

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Job Information

Job Identification

210723540

Job Category

Credit Risk

Business Unit

Consumer & Community Banking

Posting Date

09/24/2026, 08:51 AM

Locations

Columbus, OH, United States

Plano, TX, United States

Chicago, IL, United States

Job Schedule

Full time

Job Shift

Day

Base Pay/Salary

Columbus,OH $133,000.00-$215,000.00; Plano,TX $148,200.00-$245,000.00; Chicago,IL $148,200.00-$245,000.00

Job Description

The Commercial Solutions team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our franchised retail automobile dealer group relationships. We are looking for a Special Credits Director known for deep commercial lending expertise, rigorous analytical judgment, and success managing and developing teams. You must possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles.

As a Special Credits Director in the Special Credits Group in Commercial Solutions, you will provide strategic leadership to a team of Special Credits Officers that manage a portfolio of stressed and distressed credits, and guide the team on deteriorating credits. In this role you will act with the purpose of improving the overall quality of the portfolio through negotiating satisfactory repayment / exposure management, obtaining additional collateral, and/or restructuring credit facilities. You will be expected to be a key resource concerning credit issues, bankruptcy and policy expertise.

You will also play an integral role in the management of problem credits focusing on risk management and maximization of recovery on Commercial Solutions loans to automobile dealerships. This is an exciting opportunity for you to join and lead a dynamic Special Credits team within Commercial Solutions and work alongside a team of talented colleagues.

Job Responsibilities:

Lead a team of Special Credits Officers who formulate strategies and present recommendations to internal and senior management on distressed situations in either an advisory or managed capacity.

Interface regularly with the banking team, borrowers, financial advisors, and outside counsel in order to generate the best solution for repayment of credit exposure.

Demonstrate an expert understanding of the workout process, client engagement, negotiation strategies, and understanding of proper reporting to management according to bank policies and OCC requirements.

Own the Credit Surveillance process, accounting and regulatory reporting on portfolio names. This includes valuations for reserving and charge-off analysis on problem loans and support of the firm’s work in forecasting for non-performing loans, charge-offs, and recoveries.

Collaborate, build, and maintain strong partnerships across the organization.

Demonstrate strong leadership skills by mentoring, coaching, providing ongoing training support, and supporting the development of the Special Credits team.

Prioritize multiple tasks to meet deadlines and oversee Credit Officer resources, ensuring timely submission of credit packages.

Required qualifications, capabilities, and skills:

Bachelor's degree in finance or accounting or related field

10+ years’ commercial banking / lending experience including extensive commercial credit experience.

Commercial banking / asset-based lending/automotive captive experience, with thorough knowledge of accounting and financial statement analysis.

Superior analytical skills supported by excellent written and verbal communication skills.

Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.

Ability to work independently with minimal supervision.

Recognized leadership capacities and executive presence.

Experience in supervision of employees.

Demonstrated judgment and ability to act decisively.

Preferred qualifications, capabilities, and skills:

Prior experience in Special Credits/Work Out/Problem Credit role

MBA or advanced degree preferred

• Bachelor's degree in finance, accounting, or related field with 10+ years commercial banking/lending experience including extensive commercial credit expertise.
• Strong knowledge of commercial banking, asset-based lending, automotive captive finance, accounting, and financial statement analysis.
• Proven leadership experience with supervisory skills, independent judgment, and ability to act decisively.