Commercial Credit Officer – Commercial Banking (AVP)
About The Position
The Commercial Credit Officer (AVP) is responsible for supporting the underwriting, structuring, and ongoing monitoring of commercial lending exposures. The role partners closely with bankers and risk teams to evaluate new transactions, manage portfolio risk, and support credit approvals. This role offers end-to-end exposure to underwriting and portfolio management, supporting a diverse portfolio of commercial clients. The Credit Officer (AVP) is responsible for supporting the underwriting, structuring, and ongoing monitoring of commercial lending exposures. The role partners closely with bankers and risk teams to evaluate new transactions, manage portfolio risk, and support credit approvals.
Requirements
- 5–8 years of experience in commercial credit, underwriting, portfolio management, or credit risk
- Bachelor’s degree in Finance, Accounting, Economics, Business, or related field
- Strong foundation in financial statement analysis, cash flow analysis, and credit fundamentals
- Ability to assess credit risk and articulate a clear credit view
- Strong written, verbal, and organizational skills
Nice To Haves
- Experience within a large or regional financial institution
- Exposure to middle-market or commercial banking clients
- Advanced degree or professional certification (e.g., CFA, CPA) is a plus
Responsibilities
- Support the end-to-end credit process for new and existing commercial relationships
- Partner with Relationship Managers to assess new opportunities and key credit risks
- Prepare and review underwriting analysis for transactions, renewals, amendments, and annual reviews
- Support credit decisioning in partnership with Independent Risk
- Monitor portfolio performance, including financial trends, covenant compliance, and exposure levels
- Identify emerging risks and escalate concerns with recommended mitigation actions
- Ensure appropriate risk ratings and regulatory classification
- Support loan documentation and closing processes in coordination with legal and internal stakeholders
- Assist in managing credit workflow, timelines, and deliverables for active transactions
- Partner with Banking, Risk, Legal, and Product teams across the organization
- Participate in internal credit discussions and portfolio reviews
- Build strong working relationships to support deal execution and portfolio management
- Provide guidance and support to junior analysts as needed
- Contribute to process improvements that enhance efficiency and controls
- Continue to build industry and credit product expertise
Benefits
- medical, dental & vision coverage
- 401(k)
- life, accident, and disability insurance
- wellness programs
- paid time off packages, including planned time off (vacation), unplanned time off (sick leave), and paid holidays
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
