Regional Credit Officer

Key Responsibilities

• Evaluate and approve complex commercial credit requests, modifications, renewals, and portfolio management actions.
• Evaluate trends within CRE, C&I, construction, healthcare, investor real estate, and other key portfolio segments.
• Monitor portfolio quality metrics, criticized assets, classified assets, delinquency trends, and concentration limits.
• Provide guidance on loan structure, collateral, guarantor support, pricing, and repayment sources.
• Mentor, coach, and develop Credit Officers, Underwriters, Portfolio Managers, and other credit professionals.
• Participate in enterprise-wide projects related to credit systems, portfolio management, process improvement, and risk management.

Education and Experience

• Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or related field required.
• Advanced banking, credit, or financial certifications are preferred.
• Minimum 15 years of progressive commercial banking experience with significant credit and lending responsibility.
• Demonstrated expertise in both Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending.
• Experience approving and managing complex middle-market and community banking credit relationships.
• Prior lending authority within a commercial bank environment.
• Experience with syndicated credits, participations, and multi-bank relationships preferred.
• Experience working with regulatory examinations, loan review functions, and portfolio management processes.
• Familiarity with CECL, concentration management, and commercial portfolio analytics preferred.