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 Banks 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 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 DUTIES AND RESPONSIBILITIES:Credit Underwriting & ApprovalIndependently 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 credit structures covenants collateral and conditions appropriately mitigate identified risks and align with Bank & Risk ManagementMaintain ongoing oversight of assigned loan portfolios including riskrating accuracy covenant monitoring financial statement review and earlywarning adverse trends concentrations and emerging risks; escalate concerns and recommend corrective actions or risk mitigants as in periodic portfolio reviews stress testing and sensitivity analyses to assess downside risk Credit ManagementPartner with Relationship Managers and Special Assets to manage criticized and classified in problem loan identification action planning workout strategies and timely riskrating Problem Loan Committee discussions and documentation as Policy & Regulatory SupportEnsure compliance with Credit Policy loan documentation standards and applicable regulatory in internal loan reviews audits and regulatory examinations related to assigned & LeadershipAct as an independent risk voice while maintaining a constructive solutionsoriented partnership with business line guidance and mentorship to Relationship Managers Portfolio Managers and junior credit staff on underwriting standards and risk management best to continuous improvement initiatives related to credit processes portfolio monitoring tools and underwriting independent credit judgment within delegated authority for the quality accuracy and timeliness of credit analysis and for appropriate escalation of elevated risks policy exceptions and deteriorating credit conditions to senior credit 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 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 ON-THE-JOB-RISKS:None TRAINING AND EXPERIENCE:Bachelors degree in finance Accounting Business or a related field preferred or comparable experience. Minimum 710 years of progressive commercial credit experience including direct underwriting responsibility and portfolio management for commercial loan experience managing risk across one or more asset classes (C&I CRE Construction SBA or Specialty). SBA is highly preferred in this roleStrong 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.