SVP, Senior Credit Officer - CRE & Construction Lending

North American Savings Bank • Kansas City, MO

7d • Hybrid

About The Position

The Senior Credit Officer – CRE & Construction Lending (SCO) provides leadership, governance, and oversight of the Bank’s commercial credit portfolio, primarily focused on construction and development lending. The role oversees credit risk management, underwriting standards, portfolio quality, policy administration, and credit approval processes across residential development, single-family rental (SFR), built-to-rent (BTR), land acquisition and development, commercial real estate construction, build-to-suit projects, bridge financing, and related commercial real estate lending activities.

As a member of the leadership team, the SCO works closely with the CEO, Chief Lending Officer, Senior Lending Officers, and lending-credit teams to support profitable growth while maintaining disciplined credit risk management. The position ensures real estate development and construction portfolios are structured, monitored, and managed in accordance with sound banking principles, regulatory expectations, and the Bank’s strategic objectives. The position is based at the corporate office in Kansas City, with flexibility to work from home one to two days per week.

Requirements

• 15+ years of commercial banking experience with a focus on CRE and construction.
• 10+ years of credit leadership experience.
• Deep expertise in underwriting, portfolio management, and risk governance.
• Experience with CECL, stress testing, and concentration risk.
• Strong communication and presentation skills.
• Experience with regulators, audits, and Board-level reporting.

Responsibilities

• Lead the credit analyst team and oversee day-to-day underwriting operations.
• Review and approve credit memorandums and complex transactions.
• Ensure timely, accurate assessment of CRE and construction loans.
• Maintain underwriting standards and credit quality.
• Develop and maintain the credit risk framework, policies, and concentration limits.
• Monitor key risk indicators, rating migration, delinquencies, and emerging risks.
• Contribute to CECL/ACL analysis and reserve adequacy.
• Provide credible challenge and participate in credit committees.
• Analyze portfolio performance, concentrations, and market trends.
• Conduct stress testing and sensitivity analysis.
• Track policy exceptions and identify systemic risk issues.
• Report to senior management, the Audit Committee, and the Board.
• Oversee underwriting for residential construction and development, SFR, BTR, multifamily, and CRE build-to-suit projects.
• Evaluate project feasibility, absorption, and exit strategies.
• Align portfolio strategy with market conditions and risk appetite.
• Ensure adherence to regulatory requirements and internal policies.
• Serve as a liaison with regulatory agencies on construction and commercial real estate matters.
• Support internal and external audits, examinations, and loan reviews.
• Maintain sound credit governance practices.
• Mentor and develop credit and underwriting personnel.
• Foster a strong credit culture and accountability.
• Establish performance expectations and succession planning initiatives.
• Work with executive leadership across lending and risk functions.

Benefits

• Comprehensive health insurance, including medical, dental, and vision coverage.
• 401(k) retirement plan with a 50% employer match on the first 6% of the employee’s contribution.
• Paid time off, including 11 holidays, the employee’s birthday, and volunteer time.
• Exclusive mortgage and banking benefits.
• Employee referral bonuses.
• Internal training and development programs.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed