Regional Credit Officer

Burke & Herbert Bank & Trust•Salisbury, MD

10h•Onsite

About The Position

Responsible for leading and overseeing regional credit analysis activities, ensuring sound credit risk management, compliance with loan policy, and timely underwriting support to commercial lending partners. This role supervises a regional team of credit analysts and plays a key role in credit risk review, policy interpretation, and senior credit committee presentations.

Requirements

Advanced commercial credit underwriting and financial analysis skills.
Strong leadership, mentoring, and team management capabilities.
Advanced proficiency in Microsoft Excel; working knowledge of Word and Outlook.
Strong analytical, critical thinking, written, and verbal communication skills.
Ability to manage a high volume of transactions in a fast-paced, results-driven environment.
Bachelor’s degree in Business, Accounting, Finance, or a related field required.
Five or more years of commercial credit underwriting, auditing, or tax preparation experience required.
Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.

Nice To Haves

Prior management or supervisory experience preferred.

Responsibilities

Perform and review credit analysis for commercial and business loan requests in accordance with loan policy.
Review loan structures and recommend appropriate covenants and structural modifications to mitigate risk.
Exercise independent authority to recommend loans outside of policy guidelines when warranted.
Lead credit risk management activities including stress testing, financial analysis, and risk rating reviews.
Provide credit policy interpretation and guidance to commercial lending partners.
Collaborate with senior credit leadership to propose loan policy enhancements and updates.
Mentor banker/underwriters/portfolio managers.
Support lending staff with loan presentations and documentation within credit systems.
Assist in preparing quarterly and ad hoc credit and financial reports.
Stay current on regulatory guidance, loan policy changes, and market conditions.
Perform other duties as assigned.