Senior Credit Officer

About the Role

The Senior Credit Officer manages and oversees credit risk, ensures compliance, and provides guidance on lending policies and procedures while reviewing and approving loan applications. This role drives asset quality within the commercial portfolio, reviews loan applications and analyzes credit information to assess customer creditworthiness, and makes decisions about credit requests pursuant to bank policy. The officer is assigned to specific regions and handles larger or complex loans.

Responsibilities

• Manage the existing portfolio for asset quality, including asset reviews of large relationships, identifying problem loans, timely renewal of maturities, assisting in resolution of critical exceptions, and managing covenant defaults.
• Support market business development efforts by participating in sales calls.
• Prepare reports on large loan applications, present them to the Loan Committee with recommendations, participate in Loan Committee decision‑making, and issue loan approvals within defined limits.
• Mentor and develop lenders, relationship managers, portfolio managers, and analysts.
• Provide advice and guidance to loan officers on loan policies and procedures, credit analysis, financial statement evaluation, and credit investigations; may participate in training loan officers and support adherence to the bank’s lending policies.
• Manage and resolve a portfolio of adversely classified and non‑performing commercial loans and business lending relationships.
• Develop and execute asset resolution strategies, including loan restructures and modifications; analyze borrower financials, cash flow, rent rolls, and guarantor capacity to inform strategy.
• Prepare internal criticized asset reports.

Qualifications

• Bachelor’s degree or equivalent educational/work experience.
• 10+ years of progressively responsible professional and supervisory experience in one or more of the following areas: business, commercial & industrial (C&I), asset‑based lending (ABL), commercial real estate, SBA, and consumer lending.
• Proficiency in analysis software.

Skills

• Working knowledge of Microsoft Excel and Microsoft Word.
• Basic keyboarding and calculator skills; ability to perform complex math and follow complex written instructions.
• Ability to work occasional periods exceeding 40 hours per week.
• Physical ability to work in an office setting and lift up to 30 lb.

ANBTX strongly encourages candidates fluent in English and Spanish to apply. Positions that specifically require bilingual candidates will be posted as such.