Credit Officer

Credit Officer

The Credit Officer is responsible for loan approvals on commercial real estate and 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, expertise and business need. From time to time, this position may provide guidance on credits that are classified, criticized, or have been recently downgraded where a clear plan of action is required. This position will interact closely with senior members of Credit Administration, as well as the Wholesale Banking Group. The position's primary goal is to provide timely responses on complete loan request packages and to make credit decisions that are consistent with the corporate credit culture.

Position Accountabilities:

• Reviews and determines appropriate risk assessment of commercial loan requests including the appropriate level of analysis of borrower's business, management, industry and financial condition and operations.
• Exercises signature loan approvals on commercial loan requests to be determined based on experience, expertise and business need.
• Provides expertise and leadership on commercial credit requests and loan policy.
• Assists SCO with risk assessment, as needed, on credits that require higher levels of approval. Makes joint calls with relationship managers as needed and as time permits.
• Provides direction to and partners with the Wholesale Banking Group teams 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 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 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.
• Provides direction to 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 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.
• Ten or more years' experience in commercial banking and/or a credit administration position that included underwriting and assessment of credit requests.
• Prior loan approval authority preferred.

Knowledge & Skills:

• Results oriented, decisive and willingness to be firm when needed
• Ability to work accurately with detailed information
• Ability to handle confidential information with the utmost discretion
• Ability to work independently
• Strong interpersonal, communication and listening skills
• 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
• 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 and credit training activities

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. The salary range for this position is $155,435 - $259,664. Th is 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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