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Principal – Centralized Commercial Credit
Atlantic Union Bank. Review complex business loan requests and perform independent credit analysis .
Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in independent credit analysis, risk assessment, and credit solution development for complex business loan requests. Maintains compliance with applicable laws and regulations while providing guidance to less experienced credit professionals.
Highest-signal resume keywords
Independent Credit AnalysisRisk AssessmentCredit Solution DevelopmentPortfolio MonitoringPolicy Compliance
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Credit EvaluationRisk RatingLoan StructuringFinancial Condition AssessmentCredit Risk Analysis
Soft Skills
CollaborationGuidanceCommunication
Industry Keywords
Business Loan RequestsRegulatory ComplianceCredit PolicyPortfolio AnalysisCredit Leadership
About the role
Key responsibilities & impact- Review complex business loan requests and perform independent credit analysis
- Evaluate risk, structure credit solutions, and recommend, approve, or decline credit requests
- Manage an assigned portfolio through ongoing monitoring, risk rating, portfolio analysis, credit solution development, and remediation of emerging credit concerns
- Partner with Relationship Managers, sales teams, and credit leadership on business objectives and complex credit matters
- Ensure timely completion of loan requests and portfolio management activities
- Provide subject matter expertise, guidance, and review support to less experienced credit professionals
- Review credit evaluations, loan decisions, and approval concurrence as appropriate
- Maintain compliance with applicable laws, regulations, policies, procedures, and required training
- Stay current on regulatory and credit-related developments
- Perform other duties as assigned
Requirements
What you’ll need- Bachelor's Degree required; equivalent combination of education and experience may be considered
- Typically requires 6–8+ years prior experience, with deep knowledge of the job area
- Independent credit analysis of complex business loan requests
- Assessment of borrower financial condition, management, operations, loan structure, and overall credit risk
- Knowledge of credit evaluation, risk assessment, policy compliance, and portfolio monitoring
- Ability to evaluate risk, structure credit solutions, and recommend, approve, or decline credit requests in accordance with lending authority and credit policy
- Knowledge of applicable laws, regulations, policies, and procedures
- Required training and staying current on regulatory and credit-related developments
- Equivalent combination of education and experience may be considered
Benefits
Comp & perks- Medical insurance
- Dental insurance
- Vision insurance
- Life insurance
- Disability coverage
- Paid time off
- Retirement savings through a 401(k) plan
- Wellness resources
- Other programs supporting teammates' health and financial well-being
- Incentive compensation, bonuses, or other variable compensation for eligible positions, subject to applicable plans and performance criteria