Senior Credit Officer

Key Responsibilities

• Provide senior-level oversight of commercial credit underwriting across C&I, CRE, owner-occupied, and specialized lending portfolios
• Review, approve, and structure complex and higher-risk credit relationships
• Serve as a trusted advisor to lenders on deal structure, risk mitigation, and policy interpretation
• Ensure compliance with internal credit policy, regulatory guidance, and safety-and-soundness standards
• Lead or support loan review, criticized asset management, and credit administration functions
• Participate in ALLL/CECL methodology, stress testing, and portfolio analytics
• Partner with lending leadership to balance growth objectives with disciplined risk management
• Prepare and present credit-related reporting to senior management, loan committee, and the Board
• Support regulatory exams and act as a key point of contact with auditors and examiners
• Mentor and develop credit analysts and junior credit staff, reinforcing strong underwriting discipline

Qualifications

• 10+ years of progressive commercial credit experience within a community or regional bank
• Strong background in C&I and CRE underwriting, including complex credit structures
• Prior experience in a Senior Credit Officer, Credit Manager, or Deputy CCO role preferred
• Deep understanding of regulatory expectations (FDIC, OCC, Federal Reserve, or state regulators)
• Proven ability to identify, measure, and mitigate credit risk across diverse loan portfolios
• Strong communication skills with the ability to influence lenders, executives, and the Board
• Bachelor's degree in Finance, Accounting, Economics, or related field (MBA or CPA a plus)