Senior Credit Officer

Job Description

Job Description

The Senior Credit Officer serves as a key partner to Market Presidents and Relationship Managers across Corporate and Middle Market business lines. This role is responsible for driving profitable growth within disciplined credit parameters — ensuring sound underwriting, proactive portfolio oversight, and alignment with the Bank’s risk appetite.

Working closely with the Regional Credit Officer, this leader provides strategic credit guidance, mentors credit professionals, and ensures the consistent application of the Bank’s credit philosophy and culture across markets.

Job Responsibilities :

• Partner with Corporate and Middle Market business lines to proactively evaluate the creditworthiness of complex high-exposure transactions, ensuring decisions align with the bank’s risk appetite and underwriting guidelines.
• Provide guidance to teams on deal qualification assessment, due diligence, and loan structuring.
• Assist RCO in monitoring the overall loan portfolio for risk, ensuring the portfolio is routinely monitored, the risk ratings are accurately assigned, and problem credits are identified early on.
• Provide guidance to credit and lending teams, contributing to team member development and a strong credit culture within the bank.
• Manage Portfolio Managers and help coach and train Underwriters.
• Coordinate with internal partners & internal discussions on all credit matters.

Preferred Qualifications and Skills :

The requirements listed below are representative of the knowledge, skill, and / or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Deep expertise in cash flow , enterprise value , and leveraged finance underwriting .

Education and Experience :

Advanced knowledge of related state and federal banking compliance regulations, and other Bank operational policies