Regional Credit Officer

CLASSIFICATION: Exempt

REPORTS TO: Chief Credit Officer

DATE: May 4, 2026

JOB DESCRIPTION

Summary/Objective

The Regional Credit Officer is a senior individual contributor role within the Credit Risk Management function, responsible for independent credit judgment and risk assessment of complex commercial credits. The RCO will have significant loan authority to be used prudently. The position supports the Bank's credit culture by ensuring proper risk selection, adherence to credit policy, and consistent application of regulatory standards across business lines. While the role carries significant influence and authority, it does not include direct supervisory or people management responsibilities.

Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Review and approve credit requests 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.

Other Duties

• 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.

Skills/Abilities

• 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.

Supervisory Responsibility

This position does not have supervisory responsibilities.

Work Environment

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.

Travel

Footprint wide travel may be required and regular visits to clients/prospects in market territory.

Education and Experience

• 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.
• Prior management or supervisory experience preferred.
• Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.
• Prior sales experience preferred.

Equal Employment Opportunity/M/F/disability/protected veteran status

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.