• Develop and implement the overall credit philosophy, underwriting framework, and risk appetite for the Equipment Finance platform • Establish credit policies, underwriting guidelines, and approval authorities consistent with Forbright Bank’s enterprise risk framework • Ensure disciplined risk selection across equipment types, industries, obligor profiles, transaction structures, and sponsor relationships • Partner with executive leadership to define target markets, concentration limits, return thresholds, and portfolio construction strategy • Monitor macroeconomic trends, industry performance, collateral dynamics, and regulatory developments impacting equipment finance • Maintain strong alignment with regulatory expectations and internal audit standards • Oversee all underwriting activities including new originations, amendments, renewals, and refinancings • Provide final credit review and approval (within authority) on transactions including loans, leases, structured equipment financings, and asset-based structures • Review and challenge underwriting memos, financial models, risk ratings, and sensitivity analyses to ensure accuracy and completeness • Ensure appropriate diligence on obligors, sponsors, collateral, residual values, industry risks, and structural protections • Lead structuring discussions to optimize credit protection, documentation, pricing, and covenant packages • Present and advocate transactions to Credit Committee and senior management • Partner with Portfolio Management to monitor asset quality, trends, and early warning indicators • Oversee risk rating integrity and periodic credit reviews • Proactively identify emerging risks and develop mitigation strategies • Lead strategy discussions on amendments, restructurings, and potential workout situations • Ensure strong documentation standards and covenant compliance monitoring • Design and implement scalable underwriting processes to support growth of the Equipment Finance platform • Drive efficiency through workflow optimization, credit systems enhancements, and reporting automation • Establish portfolio analytics, risk dashboards, and management reporting frameworks • Develop standard templates for credit memoranda, financial modeling, and approval documentation • Partner with Technology and Operations to enhance origination systems and data infrastructure • Serve as a strategic partner to the Managing Director in balancing growth objectives with prudent risk management • Collaborate on pricing strategy, funding considerations, and capital allocation • Engage with external stakeholders including sponsors, large borrowers, and syndication partners as needed • Participate in enterprise-wide risk discussions and contribute to broader credit policy initiatives at the Bank level • Perform other duties as assigned