SVP, Senior Credit Officer - CRE & Construction Lending

Job Summary

The Senior Credit Officer – CRE & Construction Lending (SCO) is responsible for providing leadership, governance, and oversight of the Bank's commercial credit portfolio with a primary focus on construction and development lending. This role oversees credit risk management, underwriting standards, portfolio quality, policy administration, and credit approval processes for various commercial real estate and construction lending activities.

What You Can Expect To Work On

• Credit Administration & Underwriting
• Lead credit analyst team and oversee day-to-day underwriting operations
• Review and approve credit memorandums and complex transactions
• Ensure timely, accurate assessment of CRE and construction loans
• Maintain underwriting standards and credit quality
• Credit Risk Management & Governance
• Develop and maintain credit risk framework, policies, and concentration limits
• Monitor KRIs, rating migration, delinquency, and emerging risks
• Contribute to CECL/ACL analysis and reserve adequacy
• Provide credible challenge and participate in credit committees
• Portfolio Management & Analytics
• Analyze portfolio performance, concentrations, and market trends
• Conduct stress testing and sensitivity analysis
• Track policy exceptions and identify systemic risk issues
• Report to senior management, Audit Committee, and Board
• Construction & CRE Strategy
• Oversee underwriting for residential construction and development, SFR, BTR, multifamily, and CRE build-to-suit projects
• Evaluate project feasibility, absorption, and exit strategies
• Align portfolio strategy with market conditions and risk appetite
• Compliance & Regulatory Oversight
• Ensure adherence to regulatory requirements and internal policies
• Serve as a liaison with regulatory agencies on construction and commercial real estate matters
• Support internal and external audits, examinations, and loan reviews
• Maintain sound credit governance practices
• Leadership & Development
• Mentor and develop credit and underwriting personnel
• Foster a strong credit culture and accountability
• Establish performance expectations and succession planning initiatives
• Work with executive leadership across lending and risk functions

What You Offer Us

• 15+ years commercial banking experience with CRE and construction focus
• 10+ years credit leadership experience
• Deep expertise in underwriting, portfolio management, and risk governance
• Experience with CECL, stress testing, and concentration risk
• Strong communication and presentation skills
• Experience with regulators, audits, and Board-level reporting

What We Offer You

• Competitive compensation and excellent benefits packages
• Comprehensive health insurance (medical, dental, and vision coverage)
• 401(k) retirement plan with a 50% employer match on the first 6% of your contribution
• Generous paid time off (PTO) including 11 holidays, your birthday, and volunteer time
• Exclusive mortgage and banking benefits
• Employee referral bonuses
• Internal training and development programs to help reach your career goals

Location

This position will be based out of our headquarters office in Kansas City, with flexibility for remote work one to two days per week.