Principal – Centralized Commercial Credit

🕒 September 23

🦀 Maryland, Virginia – Remote

🦀 Maryland – Remote ⚔️ Virginia – Remote

⏰ Full Time

🔴 Lead

👻 Ghost score 21%

What it means: the chance that no one is really hiring for this job.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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Atlantic Union Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 1902

🏦 Banking

💸 Finance

💳 Fintech

Banking • Finance • Fintech

Atlantic Union Bank is a financial institution based in Virginia, offering a comprehensive suite of banking services including checking accounts, savings accounts, personal and business loans, credit cards, and wealth management solutions. With roots tracing back to 1902, the bank is committed to providing fair financial solutions and honest advice, aiming to create opportunities for families and business owners within the community. Through both online and physical branches, Atlantic Union Bank strives to enhance the banking experience for its customers and supports local initiatives.

📋 Description

• Review complex business loan requests and perform independent credit analysis • Assess borrower financial condition, management, operations, loan structure, and overall credit risk • Evaluate risk, structure credit solutions, and recommend, approve, or decline credit requests within established lending authority • Manage an assigned portfolio through ongoing monitoring, risk rating, portfolio analysis, client credit solution development, and remediation of emerging credit concerns • Partner with Relationship Managers, sales teams, and credit leadership to support business objectives and resolve 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 • Support 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 • Manage large projects or processes with limited oversight • Coach, review, and delegate work to lower-level professionals

🎯 Requirements

• Bachelor's Degree required; equivalent combination of education and experience may be considered • Typically requires 6–8+ years prior experience • Deep knowledge of the job area • Ability to review complex business loan requests and perform independent credit analysis • Knowledge of borrower financial condition, management, operations, loan structure, and overall credit risk • Ability to evaluate risk, structure credit solutions, and recommend, approve, or decline credit requests in accordance with lending authority, credit policy, and business needs • Knowledge of portfolio monitoring, risk rating, portfolio analysis, client credit solution development, and remediation of emerging credit concerns • Knowledge of applicable laws, regulations, policies, procedures, and required training • Ability to stay current on regulatory and credit-related developments

🏖️ Benefits

• Medical insurance • Dental insurance • Vision insurance • Life insurance • Disability coverage • Paid time off • Retirement savings through a 401(k) plan • Wellness resources • Other programs designed to support teammates' health and financial well-being • Incentive compensation, bonuses, or other variable compensation may be available for certain positions, subject to applicable plans and performance criteria

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