AVP/Senior Credit Officer
$115,000–$125,000 year
On-siteOlney, Illinois, United States
Job Summary
Analyze complex commercial, agricultural, consumer, and real estate lending relationships to evaluate credit quality, repayment capacity, and risk ratings. Review financial statements, tax returns, collateral documentation, appraisals, and market data to identify risks and prepare comprehensive credit presentations for informed lending decisions. Lead and mentor the credit analyst team, manage departmental workflow, and establish priorities to ensure timely completion of credit requests. Partner with the Chief Credit Officer on talent development, succession planning, and performance management initiatives. Develop operating procedures, quality control practices, and reporting processes to enhance efficiency, consistency, and scalability within the credit review process. Evaluate and leverage technology, data analytics, and artificial intelligence tools to improve underwriting efficiency while maintaining sound credit judgment and regulatory compliance. Participate as a non-voting member of Loan Committee meetings and oversee annual loan review, appraisal, and environmental review programs. Ensure adherence to internal policies, lending regulations, and risk management standards while escalating suspicious activities as required.
Required Qualifications
- Bachelor's degree in Finance, Accounting, Economics, or a related field
- Seven or more years of progressive commercial credit, underwriting, credit administration, or risk management experience within a financial institution
- Prior experience leading, mentoring, or developing credit professionals
- Experience building, enhancing, or scaling credit risk processes, underwriting programs, or credit administration functions
- Strong knowledge of commercial credit analysis, financial statement analysis, cash flow analysis, loan structuring, and risk assessment principles
- Advanced understanding of repayment capacity analysis across multiple borrower and guarantor structures
- Thorough knowledge of banking regulations, credit administration practices, and loan policy standards
- Ability to evaluate commercial real estate, agricultural, consumer, and business lending relationships
- Advanced proficiency in Microsoft Excel and Word, including financial modeling, data analysis, and reporting tools
- Ability to utilize data analytics and reporting tools to support credit risk evaluation and portfolio monitoring
- Working knowledge of artificial intelligence, automation, and emerging technologies applicable to underwriting, credit administration, and risk management
- Ability to evaluate technology-generated insights while maintaining independent credit judgment
- Ability to lift 25 pounds
- Ability to travel via air, rail, automobile and/or bus
Desired Qualifications
- Seven or more years of progressive commercial credit, underwriting, credit administration, or risk management experience within a financial institution strongly preferred
- Experience building, enhancing, or scaling credit risk processes, underwriting programs, or credit administration functions strongly preferred
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