Credit Officer

the client is seeking to fill a Credit Officer role. The Credit Officer will manage credit analysis and administration teams, with responsibilities that may include recruitment, development, compensation, and performance management. The role focuses on guiding credit strategy and supporting the approval process for loans through consistent, well-prepared recommendations. Key responsibilities include developing department financial goals related to credit quality, volume, and risk distribution; recommending loan structures, terms, risk ratings, and pricing; and presenting loans to management and directors loan committees for approval. The Credit Officer will work with credit analysts and commercial lenders to ensure consistency and clarity of loan presentation content, implement and monitor credit policies and procedures with appropriate controls, and ensure adherence to credit criteria, information guidelines, underwriting requirements, and portfolio performance expectations. The role also involves preparing reports on loan quality and growth trends and reviewing real estate data to assess potential portfolio impact. The Credit Officer will delegate assignments to balance workloads and meet customer expectations, represent the bank in communications with regulators and external reviewers such as auditors and loan review parties, and participate in relevant bank committees, including loan committees. The ideal candidate will have a bachelor’s degree and ten or more years of commercial banking experience, along with ten or more years of progressive leadership experience. Experience is expected across credit administration, analysis, and risk mitigation with direct credit approval, including supervisory experience in commercial real estate, construction, and commercial and industrial lending. Confidential