Senior Credit Officer
About The Position
The Senior Credit Officer is a senior individual contributor within the Credit Risk Management function. The role is responsible for independent credit judgment and risk assessment of complex commercial credits, with significant loan authority to be exercised prudently. It supports the Bank’s credit culture by ensuring appropriate risk selection, adherence to credit policy, and consistent application of regulatory standards across business lines. The position has significant influence and authority but no direct supervisory or people-management responsibilities. The position operates in an office setting, and telework is not available. Duties are conducted by telephone, in face-to-face meetings, and on a computer. Footprint-wide travel may be required, including regular visits to clients and prospects in the market territory.
Requirements
- Bachelor’s degree in Business, Accounting, Finance, or a related field.
- At least 10 years of experience in commercial banking credit underwriting.
- Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.
- 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.
Nice To Haves
- Prior management or supervisory experience.
- Prior sales experience.
Responsibilities
- Review and approve commercial and business loan credit 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 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 bankers, underwriters, and 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.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
