AVP/Senior Credit Officer

TRUSTBANK • Olney, IL

7h • $115,000 - $125,000 • Hybrid

About The Position

TrustBank is seeking an accomplished Senior Credit Officer to serve as a strategic leader within our organization and a trusted partner to the Chief Credit Officer. This individual will lead the credit analyst function, provide expert guidance on complex lending relationships, and help build the processes, talent, and infrastructure necessary to support a growing and evolving Credit Department. Ideal candidates will possess exceptional commercial credit skills, strong leadership capabilities, and a desire to influence the future direction of credit administration and management within a relationship-focused community bank.

JOB SUMMARY
The Senior Credit Officer serves as a key leader within the Credit Department and is a strategic partner to the Chief Credit Officer. This role is responsible for overseeing the credit analyst function, ensuring high-quality underwriting and risk assessment practices, and supporting the continued development of the Bank's credit risk framework. The position plays an integral role in building a scalable, high-performing Credit Department through talent development, process improvement, and effective risk management.

The Senior Credit Officer independently evaluates complex lending relationships, provides recommendations regarding credit quality and risk ratings, and collaborates with lending teams to support sound credit decisions that align with the Bank's risk appetite and growth objectives.

Requirements

• Bachelor's degree in Finance, Accounting, Economics, or a related field required.
• Seven or more years of progressive commercial credit, underwriting, credit administration, or risk management experience within a financial institution strongly preferred.
• Prior experience leading, mentoring, or developing credit professionals required.
• Experience building, enhancing, or scaling credit risk processes, underwriting programs, or credit administration functions strongly preferred.
• Strong knowledge of commercial credit analysis, financial statement analysis, cash flow analysis, loan structuring, and risk assessment principles.
• Advanced understanding of repayment capacity analysis across multiple borrower and guarantor structures.
• Thorough knowledge of banking regulations, credit administration practices, and loan policy standards.
• Ability to evaluate commercial real estate, agricultural, consumer, and business lending relationships.
• Advanced proficiency in Microsoft Excel and Word, including financial modeling, data analysis, and reporting tools.
• Ability to utilize data analytics and reporting tools to support credit risk evaluation and portfolio monitoring.
• Working knowledge of artificial intelligence, automation, and emerging technologies applicable to underwriting, credit administration, and risk management.
• Ability to evaluate technology-generated insights while maintaining independent credit judgment.

Nice To Haves

• Serves as a trusted advisor and collaborative partner.
• Demonstrates strong leadership presence and accountability.
• Strategic thinker who balances growth objectives with prudent risk management.
• Builder mindset with the ability to create structure, improve processes, and drive organizational effectiveness.
• Embraces innovation and continuous improvement.
• Exercises sound judgment in complex or ambiguous situations.
• Maintains a high level of professionalism, integrity, and confidentiality.
• Adaptable and resilient in a fast-paced environment.
• Naturally curious and committed to ongoing learning and development.
• Strong organizational and project management abilities.
• Ability to manage competing priorities and meet critical deadlines.
• Effective written, verbal, and presentation communication skills.
• Strong relationship-building and stakeholder management skills.
• Ability to influence outcomes and drive process improvements across multiple departments.

Responsibilities

• Analyze complex commercial, agricultural, consumer, and real estate lending relationships to evaluate overall credit quality and repayment capacity.
• Review financial statements, tax returns, collateral documentation, appraisals, and market data to identify risks and opportunities.
• Prepare comprehensive credit presentations that support informed lending decisions.
• Recommend risk ratings in accordance with Loan Policy and established credit grading standards.
• Identify emerging portfolio risks and recommend appropriate mitigation strategies.
• Participate as a non-voting member of Loan Committee meetings.
• Oversee the annual loan review, appraisal and environmental review, and loan reporting programs and initiatives.
• Lead, mentor, and develop the credit analyst team to promote consistent, high-quality underwriting and professional growth.
• Manage departmental workflow, establish priorities, and allocate resources to ensure timely completion of credit requests.
• Partner with the Chief Credit Officer in performance management, talent acquisition, succession planning, and staff development initiatives.
• Partner with the Chief Credit Officer and senior management to strengthen and expand the Bank's Credit Department.
• Develop and enhance operating procedures, quality control practices, and reporting processes.
• Lead initiatives that improve efficiency, consistency, scalability, and effectiveness within the credit review process.
• Assist in establishing departmental goals, performance metrics, and service standards.
• Evaluate and leverage technology, data analytics, automation, and authorized artificial intelligence tools to improve underwriting efficiency and risk monitoring while maintaining sound credit judgment and regulatory compliance.
• Build effective partnerships with loan officers, lenders, credit analysts, auditors, loan review personnel, and senior management.
• Support annual loan review activities and regulatory examination preparation as needed.
• Ensure adherence to internal policies, lending regulations, and risk management standards.
• Recognize and appropriately escalate suspicious or unusual activities in accordance with Bank compliance requirements.
• Complete special projects and other assignments as requested by senior management.

Benefits

• Total compensation for this position is $115,000 - $125,000.
• TrustBank provides a generous benefits offering, with details on our bank’s website: https://trustbank.net/company/career-opportunities

What This Job Offers

• Job Type: Full-time
• Career Level: Senior