Senior Credit Officer (Hybrid- Richmond, VA)

Senior Credit Officer (Hybrid- Richmond, VA)

The Senior Credit Officer is responsible for loan approvals on real estate and non-real estate commercial purpose loans, though the incumbent's responsibilities may be focused on either or both of these loan types. Loan authority would be commensurate with experience and expertise. From time to time, this position may need to provide guidance on credits that are either classified/criticized and/or have been recently downgraded where a clear plan of action is needed. This position will interact closely with the Wholesale Banking Group with the ultimate goal to provide timely responses on complete loan request packages and approvals that are consistent with the corporate credit culture.

Position Accountabilities

• Reviews and determines appropriate risk assessment of commercial loan requests including an appropriate level of analysis of borrower's business, management, industry and financial condition and operations.
• Exercises signature loan approvals on commercial loan requests with exposure levels to be determined based on experience and expertise.
• Makes recommendations on credits that require higher levels of approval.
• Provides expertise and leadership in larger more complex credit requests and/or relationships.
• Makes joint calls with relationship managers as needed and as time permits.
• Provides direction to and partners with the Wholesale Banking Group on how to most effectively and efficiently leverage the credit process so that both credit quality and loan growth objectives are met.
• Provides guidance/mentoring to both credit support personnel and commercial relationship managers on risk management issues as requested or otherwise deemed necessary or appropriate.
• Discusses credits with Internal Loan Review and/or Bank Examiners as requested.
• Assists the Chief Credit Officer and the Senior Credit Risk Officer with drafting or revising credit policies, product guidelines, and procedures; credit training; and various credit risk management/administration projects as the need may arise.
• Works with commercial relationship managers and line management to ensure proper servicing of the commercial loan portfolio.
• Works with commercial relationship managers and line management to ensure that commercial loan portfolio credit quality goals are met.

Organizational Relationship

Reports to the Commercial Credit Executive

Position Qualifications

Education & Experience

• Bachelor's degree in business, finance or related field.
• Fifteen or more years experience in commercial banking and/or a credit administration position that had signature loan approval responsibilities.

Knowledge & Skills

• Ability to work accurately with detailed information
• Ability to handle confidential information with the utmost of discretion
• Ability to work independently
• Strong interpersonal, communication and listening skills
• Results oriented, decisive and willingness to be firm when needed
• PC proficiency with a working knowledge of word processing and spreadsheet software and nCino
• Ability to effectively analyze data in order to accurately assess risk from a cash flow, collateral, industry, local market conditions and management perspective in order to ensure appropriate credit and loan structuring decisions are made in a timely manner
• Demonstrated leadership and skills in determining and recommending appropriate solutions on problem credits
• Maintains current operating knowledge of all job-relevant legal and regulatory requirements through the successful completion of compliance and regulatory training and attendance at all mandatory regulatory compliance activities

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.

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