Ken Hedberg

About Ken Hedberg

Seasoned Commercial Credit Executive with nearly two decades of progressive leadership spanning commercial lending, credit administration, credit risk management, and commercial real estate (CRE) & business banking finance. I specialize in building and leading strong credit cultures, optimizing portfolio performance, and implementing risk governance frameworks that support sustainable growth in complex financial institutions.I bring deep experience overseeing multi-billion‑dollar commercial portfolios, establishing enterprise credit policy, managing special assets, and guiding underwriting teams through evolving market cycles. Known for balancing sound risk management with strategic business enablement, I partner closely with executive leadership to ensure credit decisions align with organizational objectives, regulatory expectations, and long‑term portfolio health. Approval authority up to $30MM across CRE, business banking, and specialty finance Leadership of $3.5B+ commercial loan portfolios Oversight of special assets portfolios with zero losses Developer of scalable credit processes, policies, and analytics Deep knowledge of FDIC, OCC, and NCUA expectations Proven track record of driving disciplined growth and risk-adjusted returnsMy leadership style is collaborative, data‑driven, and focused on developing high‑performing teams. As I continue to grow in executive credit and risk leadership, I am committed to strengthening credit governance, enhancing portfolio resilience, and contributing meaningfully to organizations

Experience

1. Director, Commercial Credit Administration

   BECU

   Jun 2023 — Present · Scottsdale, AZ, US

   Exercises expert judgment in the review of commercial financing through identification of risks and mitigation of risks with approval authority of up to $30 million. Provides oversight and approval of $115+ million Special Assets portfolio with zero charge-offs or delinquencies. Developed and implemented policies and underwriting standards that enhanced performance for a $3.5 billion commercial lending portfolio. Advises the Executive Management Team and Credit Risk Committee of key industry changes in the Commercial Real Estate industry, while providing detailed risk assessments and market analysis. Assessed ongoing market risk and new market opportunities, including analyzing key market trends and developments then advised management on strategy changes and concentration risk levels. Monitored loan portfolio credit quality and assessed ongoing adequacy of assigned risk ratings. Provided key analytical data and assessment of risk factors for monthly portfolio reports.

Education

• Keller Graduate School of Management of DeVry University

  Master of Business Administration (MBA), Finance, General

• University of Oregon

  Bachelor of Science (B.S.), Psychology

Skills

• Asset Based Lending
• Commercial Real Estate
• Relationship Management
• Commercial Mortgages
• Business Development
• Loan Origination
• Cross Selling
• Financial Services
• Employee Training
• Consumer Lending
• Real Estate
• Portfolio Management
• Loans
• Payments
• Treasury Management
• Due Diligence
• Real Estate Economics
• Commercial Lending
• Commercial Banking
• Refinance
• Lines of Credit
• Underwriting
• Cash Management
• Credit Risk
• Credit Analysis
• Retail Banking
• Financial Risk
• Asset Management
• Core Banking
• Credit
• Small Business Lending
• Banking
• Construction Loans
• Operational Risk
• Financial Analysis
• Finance