Commercial Credit Prod Dir, Sr

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. As a trusted partner, we thrive on helping our clients achieve their goals and dreams, and we are committed to social responsibility and investing in our communities through volunteering and charitable giving.

We continually seek highly motivated and talented individuals as our people are critical to our success. In return, we offer competitive compensation with our salary and incentive program, in addition to medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are also included in our benefit suite. Old National also offers a variety of Impact Network Groups led by team members who are passionate about driving engagement, creating awareness of diverse backgrounds and experiences, and building inclusion across the organization. We offer a unique opportunity to join a growing, community and client-focused company that is firmly rooted in its core values.

Salary Range

The annual salary range for this position is $136,000-$279,100 plus incentive bonus. The base salary indicated for this position reflects the compensation range applicable to all levels of the role across the United States. Actual salary offers within this range may vary based on a number of factors, including the specific responsibilities of the position, the candidate's relevant skills and professional experience, educational qualifications, and geographic location.

Position Summary

The Commercial Credit Products Director Sr is a senior leader responsible for connecting the credit process and alignment in partnership with key delivery teams; specifically, the in-market support, documentation, and loan closing teams to create banker capacity while driving a more predictable experience for customers and team members. This role will directly work with all team members in the delivery process specifically: credit approvers, underwriters, and portfolio management for Business Banking, Commercial, Corporate, and Specialty clients. This is a highly visible role that proactively engages across the enterprise, shaping balanced growth and consistently modeling confidence and predictability for team members and customers.

Specifically, this role sits at the intersection of credit process, strategy, portfolio management, risk governance, and client engagement, shaping the process and engagement supporting growth while protecting the bank through disciplined risk management. The senior leader will work with the all teams to design and continuously evolve the delivery process to improve efficiency, consistency, and scalability; leverage technology and data; and strengthen controls-while partnering closely with Frontline Originators, Credit Policy, Risk Management, Credit Approvers, and Independent Risk Review. The Sr. Director is expected to bring sound judgment to complex processes, encourages thoughtful risktaking, and ensures balance in the underwriting practices reflecting the bank's risk appetite, portfolio objectives, and longterm client relationships.

Key Accountabilities

Enterprise Alignment

Translate credit strategy and risk appetite into clear processes, standards, and segmentspecific approaches to improve customer experience and our turnaround time.

• Partner with the business to balance growth, returns, and risk concentration across industries, geographies, and products.

• Actively monitor industry trends, technology themes, and emerging risks with third parties; provide forwardlooking insights and recommendations evolving the delivery process.
• Ensure underwriting and monitoring practices support portfolio optimization and free up revenue teams to focus on revenue activities versus performing non-customer-facing activities.

Underwriting Partnership

• Partner with executive leaders representing revenue teams with external insight, data and examples of underwriting and portfolio management processes for Corporate, Middle Market, C&I and Business Banking teams.

• Provide insight on underwriting processes that scale appropriately by complexity, risk, and customer need.

Process Design, Technology & Efficiency

• Lead the endtoend design and continuous enhancement of the end-to-end customer acquisition process.
• Drive simplification, standardization, and control discipline while maintaining flexibility for differentiated customer segments and products.
• Champion the thoughtful use of technology, data, workflow tools, and automation to improve cycle times, decision quality, and capacity utilization.
• Partner with technology, analytics, and data teams to evolve underwriting tools, decision support, and collateral data integration.

Customer Engagement & Partnership

• Enable strong customer experiences while maintaining sound credit judgment and risk discipline.
• Engage directly with clientfacing leadership-and selectively with customers-on complex or strategic relationships to align structure, risk, and longterm value.
• Foster a partnership mindset where underwriting serves as a trusted advisor to the business, balancing client needs with sustainable portfolio outcomes.

Talent & Organizational Leadership

• Promote and develop a highperforming organization with deep credit expertise, strong portfolio orientation, and customer awareness.
• Promote a culture of accountability, informed risktaking, continuous improvement, and constructive challenge.
• Build a sustainable talent pipeline through coaching, development, and succession planning across leadership roles.

Key Competencies for Position

• Promotes Change - Clearly communicates what must change and why; equips leaders to own and deliver the message; encourages change agility and idea-sharing; allocates resources while managing risk; creates a safe environment to test, learn, and improve culture, processes, and products/services.
• Strategy in Action - Connects work to ONB strategy; empowers leaders and removes barriers; anticipates trends and implications; encourages multiple perspectives to generate insights and solutions; sustains cohesion and engagement by reinforcing vision, values, goals, and impact.
• Compelling Communication - Explains purpose, importance, and impact clearly and succinctly; tailors messages to audience needs and style; confirms understanding and uses multiple methods to aid comprehension; listens openly, asks clarifying questions, and builds trust to overcome resistance.
• Makes Decisions & Solves Problems - Defines problems and opportunities using qualitative and quantitative data; collaborates to gather insights and resources; considers business, organizational, and individual realities and impacts; makes sound decisions grounded in analysis, experience, and judgment; builds and adjusts plans to achieve goals and close gaps.
• Develops Talent - Supports development through formal programs and stretch assignments; assesses talent and removes barriers; closes gaps with coaching and feedback; builds trust and a continuous-feedback culture; attracts and retains diverse, best-in-class talent.
• Delights Clients - Builds an environment where teams serve internal/external clients with excellence; stays current on trends and shares knowledge to improve client experience; uses data, metrics, and financials to connect actions to outcomes; promotes accountability by listening, prioritizing, and acting responsibly to meet needs, mitigate risk, and create shareholder value.
• Leads Inclusively - Advocates for diversity and takes action to improve representation; uses inclusive, bias-aware approaches to uncover needs, perspectives, and talent; promotes DEI in daily work and leadership practices; identifies and mitigates bias and exclusion at personal, team, and process levels.
• Personifies ONB Culture - Leads by example and encourages others to do the same; champions values in day-to-day interactions; prioritizes enterprise goals over individual or business-unit goals; inspires others to invest time, heart, and expertise to help clients and communities thrive.

Qualifications and Education Requirements

Required

• 15+ years of progressive experience in commercial credit, underwriting, or risk management within a large, complex financial institution.
• Executivelevel leadership experience overseeing multisegment commercial underwriting and portfolios.
• Deep expertise across commercial products including C&I, CRE, specialty finance, and complex structured transactions.
• Strong understanding of portfolio management, collateral valuation, and credit lifecycle risk in a regulated environment.
• Demonstrated success leading enterprise credit process transformation and technologyenabled change.
• Exceptional executive presence with the ability to influence senior leaders, risk partners, and regulators.

Preferred

• Experience at a large regional or national bank with diversified commercial and specialty portfolios.
• Proven track record integrating underwriting, portfolio management, and customercentric credit decisioning.
• Experience modernizing collateral management, appraisal governance, or underwriting analytics.
• Advanced degree in finance, economics, business, or related field; MBA preferred.

Key Measures of Success/Key Deliverables:

• Consistent, highquality outcomes aligned with enterprise strategy and risk appetite.
• Improved partnership connected to portfolio outcomes, including asset quality, riskadjusted returns, and concentration management.
• Enhanced end-to-end efficiency and scalability through process and technology modernization.
• Strong collaboration with business, portfolio management, Credit Policy, and Independent Risk.
• A highly engaged organizational view as a strategic partner to both customers and the business.

Old National is proud to be an equal opportunity employer focused on fostering an inclusive workplace and committed to hiring a workforce comprised of diverse backgrounds, cultures and thinking styles.

As such, all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, protected veteran status, status as a qualified individual with disability, sexual orientation, gender identity or any other characteristic protected by law.

We do not accept resumes from external staffing agencies or independent recruiters for any of our openings unless we have an agreement signed by the Director of Talent Acquisition, SVP, to fill a specific position.

Our culture is firmly rooted in our core values.

We are optimistic. We are collaborative. We are inclusive. We are agile. We are ethical.

We are Old National Bank. Join our team!