Senior Credit Officer

Community Bank | Confidential Search Position Overview A well-capitalized, relationship-driven community bank is seeking a Senior Credit Officer to provide hands-on leadership over credit risk management, underwriting standards, and portfolio quality. This executive will partner closely with the Chief Credit Officer, Chief Lending Officer, and senior management to ensure strong credit culture, regulatory compliance, and sustainable loan growth. The ideal candidate brings deep experience in commercial credit underwriting, portfolio management, and regulatory interaction within a community or regional banking environment. Key Responsibilities Provide senior-level oversight of commercial credit underwriting across C&I, CRE, owner-occupied, and specialized lending portfoliosReview, approve, and structure complex and higher-risk credit relationshipsServe as a trusted advisor to lenders on deal structure, risk mitigation, and policy interpretationEnsure compliance with internal credit policy, regulatory guidance, and safety-and-soundness standardsLead or support loan review, criticized asset management, and credit administration functionsParticipate in ALLL/CECL methodology, stress testing, and portfolio analyticsPartner with lending leadership to balance growth objectives with disciplined risk managementPrepare and present credit-related reporting to senior management, loan committee, and the BoardSupport regulatory exams and act as a key point of contact with auditors and examinersMentor 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 bankStrong background in C&I and CRE underwriting, including complex credit structuresPrior experience in a Senior Credit Officer, Credit Manager, or Deputy CCO role preferredDeep understanding of regulatory expectations (FDIC, OCC, Federal Reserve, or state regulators)Proven ability to identify, measure, and mitigate credit risk across diverse loan portfoliosStrong communication skills with the ability to influence lenders, executives, and the BoardBachelor's degree in Finance, Accounting, Economics, or related field (MBA or CPA a plus) Why This Opportunity Key leadership role with direct influence on the bank's credit culture and long-term stabilityWell-capitalized community bank with a relationship-driven lending modelHigh visibility with executive leadership and the BoardOpportunity to help shape credit policy, underwriting standards, and portfolio strategyCompetitive compensation, bonus potential, and comprehensive benefits This search is being conducted confidentially. Additional details will be shared with qualified candidates during the interview process. For further information please contact Brayden Texer at brayden.texer@gogpac.com or call 616.465.2358 All qualified applicants will receive consideration without regard to race, age, color, sex (including pregnancy), religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations. GPAC (Growing People and Companies) is an award-winning search firm specializing in placing quality professionals within multiple industries across the United States since 1990. We are extremely competitive, client-focused and realize that our value is in our ability to deliver the right solutions at the right time.