Business Banking Lead Credit Officer, Vice President
On-site · Columbus, Ohio, United States
Job Summary
Lead Credit Officer (Vice President) for the Business Banking Risk group, responsible for oversight, management, and credit decisioning of new and existing extensions of credit for the Business Banking line. Analyze credit opportunities, structure transactions with appropriate terms, covenants, collateral and mitigants, negotiate terms, and determine risk grades. Prepare credit memoranda and maintain audit-ready documentation; partner with Relationship Managers and Credit Risk Center to drive consistent process execution and regulatory adherence. Mentor or coach junior credit professionals and contribute to underwriting best practices. Requires strong finance background, advanced credit coursework, and experience in commercial banking credit analysis.
Required Qualifications
- Bachelor’s degree or equivalent experience
- Completion of advanced finance, accounting, and credit coursework
- 3+ years of commercial credit analysis and credit decisioning experience in Business/Commercial Banking
- Demonstrated ability to formulate and articulate objective, evidence-based credit views
- Thorough knowledge of credit philosophy and policies, including risk grading standards and portfolio risk concepts
- Proficiency with loan documentation fundamentals and awareness of bankruptcy and related legal issues
- Strong analytical, problem-solving, and financial analysis skills, including ratio analysis and cash flow assessment
- Effective verbal and written communication skills with the ability to negotiate terms and present credit conclusions
- Experience operating in a fast-paced, centralized credit environment with strong time management and SLA discipline
- Facility with loan grading tools and proprietary credit systems for decisioning and documentation
- Team-oriented mindset with the ability to assume individual accountability and manage a diverse workload
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