Credit Risk Officer
About The Position
At Western State Bank, we’re all about connections. It’s who we are. From our customers to our team members, we make sure everyone has a place to belong and feels valued. At Western, strong credit decisions are the foundation of everything we do. We're looking for a Credit Risk Officer who enjoys digging into data, identifying trends, improving processes, and helping our lending teams make informed decisions that protect the organization while supporting growth. If you're passionate about credit quality, loan portfolio analysis, mortgage quality control, and continuous improvement and you enjoy collaborating with leaders across the organization—this is an opportunity to make a meaningful impact.
Requirements
- Experience in banking, credit administration, lending, loan review, risk management, or mortgage operations
- Strong analytical and problem-solving skills
- The ability to interpret lending policies and communicate recommendations clearly
- Excellent attention to detail and organizational skills
- Professional judgment and the ability to manage confidential information
- A collaborative mindset with a passion for continuous improvement
Nice To Haves
- Bachelor's degree in Finance, Business, Accounting, or a related field
- 3-5+ years of experience in credit risk, credit review, lending, mortgage quality control, or a related banking discipline
- Experience preparing reports for senior leadership or Boards of Directors
- Community banking experience is a plus
Responsibilities
- Lead independent credit reviews that strengthen portfolio quality and support sound lending practices.
- Prepare credit risk reports and portfolio analysis for executive leadership and the Board of Directors.
- Lead the Mortgage Quality Control program, ensuring compliance with investor and regulatory expectations.
- Identify trends, emerging risks, and opportunities to improve reporting, controls, and operational processes.
- Partner with lenders and business leaders to communicate findings, resolve issues, and support policy consistency.
- Recommend practical improvements that make our credit risk processes stronger and more efficient.
- Serve as a trusted resource and mentor to teammates and internal partners.
Benefits
- Competitive base salary
- Employee Stock Ownership Plan (ESOP)
- 401(k) with company contributions
- Medical, dental, vision, life, and disability insurance
- Paid time off and paid holidays
- Employee wellness and assistance programs
- Professional development opportunities
- Banking and financial wellness benefits
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
