Credit Officer

*Hybrid Position*

The Credit Officer is responsible for independently underwriting, approving, and managing credit risk within assigned commercial lending portfolios (C&I, SBA or CRE) in accordance with the Bank's Credit Policy, risk appetite, and regulatory expectations. The role is intended for an experienced credit professional with prior handson underwriting and portfolio management experience, capable of exercising independent credit judgment across complex credit structures. The role serves as a trusted risk partner to Relationship Management, providing sound credit judgment, structural guidance, and timely identification of emerging credit risks while supporting prudent loan growth.

The Credit Officer actively monitors portfolio performance, ensures riskrating accuracy, participates in problem credit resolution, and contributes to portfolio analytics, stress testing, and reserve adequacy processes. The role requires strong analytical capability, regulatory awareness, and the ability to balance risk discipline with commercial objectives.

JOB DUTIES AND RESPONSIBILITIES:

Credit Underwriting & Approval

• Independently analyze and underwrite commercial credit requests, including new originations, renewals, modifications, and extensions across assigned portfolios (e.g., C&I, CRE, Construction, SBA, Specialty).
• Approve credit exposures within assigned lending authority and provide recommendations for higherlevel approvals as required.
• Ensure credit structures, covenants, collateral, and conditions appropriately mitigate identified risks and align with Bank policy.

Portfolio & Risk Management

• Maintain ongoing oversight of assigned loan portfolios, including riskrating accuracy, covenant monitoring, financial statement review, and earlywarning indicators.
• Identify adverse trends, concentrations, and emerging risks; escalate concerns and recommend corrective actions or risk mitigants as appropriate.
• Participate in periodic portfolio reviews, stress testing, and sensitivity analyses to assess downside risk exposure.

Problem Credit Management

• Partner with Relationship Managers and Special Assets to manage criticized and classified relationships.
• Participate in problem loan identification, action planning, workout strategies, and timely riskrating changes.
• Support Problem Loan Committee discussions and documentation as required.

• Governance, Policy & Regulatory Support
• Ensure compliance with Credit Policy, loan documentation standards, and applicable regulatory guidance.
• Participate in internal loan reviews, audits, and regulatory examinations related to assigned portfolios.

Collaboration & Leadership

• Act as an independent risk voice while maintaining a constructive, solutionsoriented partnership with business line leaders.
• Provide guidance and mentorship to Relationship Managers, Portfolio Managers, and junior credit staff on underwriting standards and risk management best practices.
• Contribute to continuous improvement initiatives related to credit processes, portfolio monitoring tools, and underwriting standards.
• Exercises independent credit judgment within delegated authority levels.
• Accountable for the quality, accuracy, and timeliness of credit analysis and decisions.
• Responsible for appropriate escalation of elevated risks, policy exceptions, and deteriorating credit conditions to senior credit leadership.

PHYSICAL AND SENSORY REQUIREMENTS:

While specific duties vary, a bank credit officer must be able to remain in a stationary position (sitting and/or standing) for extended periods while performing desk-based tasks such as reviewing financial statements, analyzing credit requests, and completing computer work.

The role also requires the ability to operate standard computer equipment (keyboard, mouse, and monitors) to input and retrieve information and to evaluate credit reports and related data; to communicate effectively with customers, management, and staff regarding credit decisions (including speaking and listening, with or without assistive technology); to move throughout the workplace to access files and attend meetings; and to maintain visual acuity sufficient to read and analyze detailed information on documents and computer screens. Prolonged periods of sitting at a desk and working on a computer are common.

POTENITAL ON-THE-JOB-RISKS:

• None identified.

EDUCATION, TRAINING AND EXPERIENCE:

• Bachelor's degree in finance, Accounting, Business, or a related field preferred or comparable experience.
• Minimum 7-10 years of progressive commercial credit experience, including direct underwriting responsibility and portfolio management for commercial loan portfolios.
• Demonstrated experience managing risk across one or more asset classes (C&I, CRE, Construction, SBA, or Specialty). SBA is highly preferred in this role
• Strong working knowledge of commercial lending products, credit policy, and regulatory guidance (FDIC / OCC / Federal Reserve).
• Proven analytical skills, including cashflow analysis, global debt service coverage, collateral evaluation, and sensitivity analysis.
• Demonstrated ability to exercise independent credit judgment while effectively partnering with business line stakeholders.
• Excellent written and verbal communication skills, with the ability to present complex risk assessments clearly & succinctly to senior management and committees.