Credit Underwriting

Credit Underwriting Finance Jobs

20 jobs found

VP Commercial Credit Administration Manager

MOUNTAINONE BANK Rockland, MA

25d ago

$120k - $165k/yr Full time Manager Administration Banking

Manager Administration Banking

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Job Description

Job Summary

The VP Commercial Credit Administration Manager leads and mentors the team while ensuring effective underwriting and risk assessment outcomes. In line with established policies and procedures, this role conducts credit analysis for new loan requests and oversees the existing portfolio, including annual reviews, loan modifications, tracking financial information, and managing credit administration reports to strengthen the overall risk management of the commercial loan portfolio. The position collaborates with the credit team and the commercial lending team to identify and resolve complex credit issues. Independently approving commercial loans up to $500,000 in TCC, this role supports external loan review and maintains and updates the Commercial Loan Policy and BHG Policy.

Salary Range

$120,000 - $165,000 per year, based on experience

Location

Rockland, MA 02370

Primary Responsibilities

Analyze financial statements, management profiles, business cycles, historical operating performance, and cash flow to assess credit risk.
Supervise all analysts, supporting their professional development.
Directly work with analysts to enhance credit analysis skills and writing, resulting in comprehensive, in-depth credit analyses for loan transactions with moderate complexity, with minimal supervision from the Credit Manager.
Provide constructive comments and recommendations on loan terms and structures to minimize credit risks and protect the bank’s capital.
Balance the balance between credit considerations and lending needs, collaborating with analysts and lenders to reach well-reviewed recommendations that comply with regulatory and bank standards.
Independently complete key underwriting for mid-size to large commercial loan requests in a timely fashion, including but not limited to commercial mortgages, commercial and industrial loans, working capital revolving credit loans, and commercial construction loans.
Prepare and review in-depth written analyses for relationships of varying size and complexity, ensuring compliance with laws, regulations, guidelines, and bank policies.
Perform analysis and research required for the annual review of all borrower relationships as well as the annual review and renewal of all working capital revolving lines of credit, and renewal of maturing loans.
Interact with customers, bank officers, and Loan Operations to respond to inquiries, questions, problems, and other credit issues in a timely manner.
Conduct thorough appraisal reviews to ensure all appraisals used by the bank comply with related appraisal regulations and the bank’s internal appraisal policy.
Provide routine and ad hoc reports to effectively manage the commercial loan portfolio.
Prepare periodic industry analyses to identify credit concentrations and improve underwriting, particularly in new industries, while monitoring industry trends affecting the portfolio.
Oversee input, maintenance, and distribution of credit administration data related to the Finastra/Credit Quest and Abrigo Construct systems.
Manage the bank’s BHG Loan Purchase Program.
Serve as the subject matter expert on regulatory requirements related to the safety and soundness and compliance regulations of commercial lending, sharing knowledge and guidance with team members as needed.
Maintain compliance with all related bank policies, Bank Secrecy Act, confidentiality, standardized procedures, and regulations.
Engage in ongoing training to further overall banking background.
Represent the bank in the community and at business and professional association functions.
Other duties as assigned.

Qualifications

Experience in underwriting and risk assessment for commercial loans, including analysis of financial statements, cash flows, and management profiles.
Proven ability to supervise and develop analysts, and to collaborate with lending teams to reach well-considered recommendations.
Ability to underwrite mid-size to large commercial loan requests, including commercial mortgages, commercial and industrial loans, working capital revolving credit facilities, and construction loans.
Proficiency in preparing detailed written credit analyses and ensuring compliance with laws, regulations, and bank policies.
Familiarity with credit administration systems such as Finastra/Credit Quest and Abrigo Construct; experience with the BHG Loan Purchase Program is a plus.
Knowledge of regulatory requirements related to commercial lending and a commitment to Bank Secrecy Act and confidentiality.
Strong communication and customer service skills, with the ability to respond to inquiries promptly and professionally.
Commitment to ongoing professional development and community involvement.

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Business Banking Portfolio Manager II

EagleBank Bethesda, MD

26d ago

$67k - $105k/yr Full time Manager BakerHill B2B Banking

Manager BakerHill B2B Banking

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Job Description

Overview

EagleBank is a values driven organization that prioritizes relationships with customers, teammates, and shareholders. The company aims to be flexible, involved, responsive, strong, and trusted, delivering highly valuable service through meaningful connections. EagleBank supports inclusion, equity, and respect, and actively seeks opportunities to learn from one another. The bank invests in employee growth and wellbeing through mentorship programs, community service, and scholarship opportunities for continuing education. Benefits include maternity and parental leaves, wellness discounts, healthcare premium sharing, employer contributions to your Health Savings Account, and 100 percent 401(k) matching up to 4 percent. This role is based in Bethesda, MD with a projected annual salary range of $67,482.00 to $105,166.80, and additional compensation may be possible based on experience and skills.

Responsibilities

With limited supervision, the Business Banking Portfolio Manager II drives the credit process by gathering financial information, underwriting and spreading data, preparing and submitting credit packages for review and approval, and reviewing loan documentation for accuracy. They also work to clear documentation exceptions and manage loan maturities and past due accounts as needed.
Participates in the management, servicing, and growth of the small business lending portfolio to meet departmental profitability metrics.

Qualifications

Requirements

H.S. Diploma or General Education Degree (GED)
2 years of commercial credit analysis experience or portfolio management (a combination of commercial credit analysis and relevant lending experience will be considered)
In-depth knowledge of commercial loan documentation
Strong knowledge of credit underwriting, financial ratios, credit structures, cash flow, collateral, and guarantor analysis
Excellent verbal and written communication
Good customer service skills
Proficient in MS Word, Excel and Outlook
Strong organization skills, attention to detail and accuracy
Work effectively in a fast paced, high pressure environment

Preferences

Bachelor's Degree in Arts/Sciences (BA/BS) in Business, Finance or Accounting
4 years of commercial credit analysis experience or portfolio management (a combination of commercial credit analysis and relevant lending experience will be considered)
Formal credit training
Experience structuring and pricing loan transactions to achieve profitability metrics
BakerHill B2B software
LaserPro

Additional Information

Don't meet all the requirements? We encourage you to still apply if you think you are the right person to join our community. We are always interested in connecting with people inspired by our mission and values. If you are not hired for this position, your resume will remain available for the next year and might be considered for future openings. Note that you can update your resume as often as needed.

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Commercial Credit Lead - Large Corporate

M&T Bank Pittsburgh, PA Hybrid

28d ago

$140k - $233k/yr Full time Banking Commercial Commercial Banking

Banking Commercial Commercial Banking

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Job Description

Overview

This Commercial Credit Lead role is a client facing, individual contributor position based in a hybrid remote setting in Pittsburgh, Pennsylvania. The role combines thorough financial statement analysis, structuring credit solutions, negotiating legal documents, and securing credit approvals while ensuring adherence to credit policies and regulatory requirements. The role also involves leading a transaction team and collaborating with relationship managers, risk officers, and other stakeholders to support sound credit decisions and sustain portfolio quality.

Primary Responsibilities

Underwrite new credit requests and material deal modifications from initial screen through approval and for the life of the loan, advising on conditions as appropriate.
Oversee ongoing credit risk in existing portfolios via continuous credit monitoring to identify emerging risk, take actions to manage risk, minimize losses, and assign accurate risk ratings.
Review all pertinent credit and financial information, including financial statements, tax returns, due diligence reports, credit bureau data, appraisals, internal credit information, industry research and peer data; determine if further investigation is needed and coordinate data gathering.
Analyze financial information and related materials, producing credit analyses that include an independent credit quality assessment with well supported risk ratings, identification of risks and mitigants, industry concerns, market and financial trends, and other relevant credit issues.
Make appropriate structure recommendations based on scenario analysis, including the company’s base case and downside case.
As part of ongoing risk management, identify suspicious activity or actions that may not align with the customer’s interests.
Collaborate proactively with relationship managers and stay engaged from deal screen through approval and for the life of the loan to maintain timely and accurate risk ratings for a portfolio of commercial credits.
Spread financial statements and develop financial models to sensitize various conditions affecting the proposed transaction.
Prepare cash flow analyses, collateral schedules, covenant sensitivity calculations, financial models, and guarantor statement analyses as appropriate.
Participate in client or prospect calls with RMs to gain a thorough understanding of the client and their business for effective underwriting of the proposed transaction; based on underwriting parameters, determine the risk rating.
Prepare summaries, present facts, and provide opinions on creditworthiness.
Propose loan structures, including terms, conditions, collateral, and guarantors when appropriate.
Display a solid understanding of the financial regulatory environment as it applies to underwriting most commercial credit transactions.
Ensure compliance with credit policy by verifying underwriting adherence to the Commercial Credit Policy and evaluating risks associated with non compliance.
Present analyses or address questions during credit request discussions or committee presentations.
Understand and follow the company’s risk and regulatory standards, policies and controls in line with the risk appetite, escalating risk related issues to management as needed.
Promote an inclusive work environment that reflects the bank’s brand.
Maintain internal control standards and timely implementation of audit and regulator recommendations as applicable.
Perform other related duties as assigned.

Scope of Responsibilities

The Corporate and Institutional designation encompasses segments such as FIG, Fund Banking, Institutional/REIT, Large Corporate, and Leveraged Lending. The Commercial Credit team manages the credit delivery for the bank’s commercial clients, handling assessments from initial evaluations of new relationships to changes or restructurings and ongoing monitoring through the life of the loan. The team also ensures accurate completion of risk rating scorecards and financial statement spreads used to support decisions on new, renewed, or amended credit transactions. Interaction with commercial banking RMs and sales leadership across the bank, as well as other internal teams, occurs for approvals on large, complex, or specialized loans. Direct client interaction is expected. The role operates with minimal supervision and can effectively lead the transaction execution team, which may include an Associate and/or an Analyst.

Supervisory and Managerial Responsibilities

Contribute to the development and training of junior analysts and associates.

Education and Experience Required

Bachelor’s degree in Accounting, Finance, or a related field, plus seven years of experience in complex credit underwriting, specialty underwriting, or other advanced financial analysis roles.
Alternatively, a combined minimum 11 years of higher education and work experience, including seven years in complex credit underwriting or related fields, may be considered in lieu of a degree.
Strong analytical skills with advanced financial modeling and analysis of credit transactions and structures.
Ability to calculate and interpret financial ratios, analyze data, and perform trend analysis to understand and mitigate credit risk.
Proficiency with legal documentation and the ability to negotiate and structure transactions independently.
Excellent verbal and written communication skills.
Strong critical thinking and problem solving abilities.
Attention to detail and a high level of accuracy.
Ability to work independently and as part of a team.
Strong organizational and time management skills.
Customer focused with strong interpersonal and relationship-building skills.
Proficiency in Microsoft Office.

Education and Experience Preferred

Experience with Capital IQ, FactSet, and Bloomberg.

Compensation

M&T Bank is committed to fair, competitive and market informed pay for our employees. The pay range for this role is $139,700.00 - $232,900.00 annually (USD). The specific compensation offered will reflect the candidate’s knowledge, skills, and experience.

Location

Pittsburgh, Pennsylvania, United States of America

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Loan Support Team Lead (Small Business Credit Underwriting Quality Assurance Team)

KeyBank National Association Amherst, NY Hybrid

28d ago

$71k - $125k/yr Full time Assurance Audit Banking

Assurance Audit Banking

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Job Description

Hybrid remote work arrangement available in Amherst, NY 14226. On-site location is 4224 Ridge Lea Road, Amherst, New York.

Role Overview

This position leads the credit underwriting oversight for the Small Business Credit Underwriting Campus. The role ensures compliance with credit policy, underwriting standards, operational procedures, and regulatory requirements. It oversees the accurate and timely assignment of customer risk ratings using BOT technology and manages quality assurance programs to uphold credit, regulatory, and operational policies. The role drives workflow and process improvements to boost efficiency and client experience while preserving strong risk discipline. It also involves preparing and delivering monthly reporting to monitor productivity, turnaround times, staff performance metrics, and policy and regulatory compliance. The role provides leadership to a team that currently has four direct reports.

Essential Job Functions

Develop and execute quality assurance testing, analysis, and reporting to ensure Small Business credit approvals comply with credit policy, underwriting guidelines, departmental policies and procedures, and regulatory requirements.
Monitor and analyze QA trends and key risk indicators to proactively identify emerging risks and recommend corrective actions.
Design and perform QA testing of Small Business credit decisions to ensure adherence to Small Business decision guidelines and support compliance with Fair and Responsible Banking (FARB) requirements.
Oversee the accurate and timely assignment of customer risk ratings for Small Business credit customers using BOT technology.
Partner with the Department Manager and Operations Manager to ensure all departmental procedures are current, accurate, and reviewed at least annually.
Lead the integration of credit policy changes into Small Business underwriting guidelines and departmental operating procedures, including supporting communication and rollout to underwriting staff.
Identify and recommend workflow, process, and system control enhancements to mitigate risk and strengthen compliance with credit policy, underwriting guidelines, departmental procedures, and regulatory standards.
Collaborate with BRC Risk Advisors and testing teams to manage Governance, Risk, and Compliance (GRC) risks and associated controls.
Support regulatory exams and audits by preparing documentation, responding to inquiries, and coordinating issue resolution.
Contribute to the development of training materials or targeted coaching to address QA findings and improve underwriting consistency.
Promote a strong risk and compliance culture through ongoing engagement with underwriting leadership and staff.
Provide oversight, coaching, and guidance to management assigned staff to support performance, quality, and compliance objectives.

Required Qualifications

Bachelor’s degree with preferred concentration in business or related coursework, or equivalent relevant work experience.
Minimum of five (5) years of experience in a commercial credit underwriting environment, with Small Business credit experience strongly preferred.
Strong working knowledge of Commercial Credit Policies and underwriting standards, preferably with working knowledge of Key's commercial credit policies and underwriting standards.
Recent people management or leadership experience.
Strong knowledge of commercial credit systems and strong technological proficiency.
Proven ability to effectively collaborate with underwriters, risk management, compliance partners, and other key stakeholders.
Demonstrated leadership capabilities, including the ability to motivate, coach, and develop team members.
Excellent interpersonal, communication, and influencing skills.
Ability to work effectively both independently and as part of a collaborative team environment.
Strong organizational and time management skills, with the ability to prioritize and manage multiple responsibilities in a fast paced environment.
Experience supporting regulatory examinations, audits, or internal risk reviews.
Working knowledge of Fair and Responsible Banking (FARB) principles and related regulatory expectations.
Experience leading or supporting quality assurance, risk management, or control functions within a commercial credit environment.
Demonstrated commitment to core values including teamwork, respect, accountability, integrity, and leadership.

Compensation and Benefits

This position is eligible to earn a base salary in the range of $71,000.00 - $125,000.00 annually. Placement within the pay range may differ based upon various factors, including but not limited to skills, experience and geographic location. Compensation for this role also includes eligibility for incentive compensation which may include production, commission, and/or discretionary incentives. Please click here for a list of benefits for which this position is eligible.

Key has implemented an approach to employee workspaces which prioritizes in-office presence, while providing flexible options in circumstances where roles can be performed effectively in a mobile environment.

Posting Expiration and EEO Information

Job Posting Expiration Date: 03/24/2026

KeyCorp is an Equal Opportunity Employer committed to sustaining an inclusive culture. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, pregnancy, disability, veteran status or any other characteristic protected by law.

Qualified individuals with disabilities or disabled veterans who are unable or limited in their ability to apply on this site may request reasonable accommodations by emailing HR_Compliance@keybank.com.

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Commercial Credit Mgr - Regional Commercial Banking

TD Bank New York, NY

29d ago

$124k - $186k/yr Full time Banking Commercial Commercial Credit

Banking Commercial Commercial Credit

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Job Description

Work Location: New York, New York, United States of America

Hours: 40

Pay Details: $124,280 - $186,160 USD

TD is committed to providing fair and equitable compensation opportunities to all colleagues. Growth opportunities and skill development are defining features of the colleague experience at TD. Our compensation policies and practices have been designed to allow colleagues to progress through the salary range over time as they progress in their role. The base pay actually offered may vary based upon the candidate's skills and experience, job-related knowledge, geographic location, and other specific business and organizational needs. As a candidate, you are encouraged to ask compensation related questions and have an open dialogue with your recruiter who can provide you more specific details for this role.

Line of Business: Personal & Commercial Banking

Job Description

The Commercial Credit Manager (CCM) oversees quality underwriting, compliance, and credit monitoring for an assigned portfolio, while supporting new business development in alignment with credit risk policy and TD Bank Group's risk appetite. This role manages the credit underwriting and credit administration functions within a Regional Market or Middle Market segment. Core responsibilities include issuing credit understanding and approvals, managing credit analysts, and fostering ongoing development of credit skills and career growth for analysts. The CCM supervises a subset of credit analysts within a market where the team size justifies this leadership position. Collaboration with the Credit Officer is essential to ensure consistency with the TD Bank Group's Risk Appetite Principles, including establishing Borrower Risk Ratings and Facility Risk Ratings for new and existing relationships.

Depth and Scope

Conduct preliminary research on potential clients to assess alignment with TD Bank products and structures, while assisting in evaluating credit needs and alignment with TD Credit Risk Appetite.
Attend site visits as needed or requested.
Oversee Credit Analysts in the preparation of preliminary spreads, cash flow analyses, BRR, and term sheets used to determine whether to move forward with prospects; supervise Officer Analysis and input BRR, FRR, Covenant, and ARD.
Ensure staff are knowledgeable of and operate within applicable regulatory and compliance guidelines and procedures (including AML, Privacy, Firewalls, Systems & Information Security, FCAC, etc) and ensure required compliance attestations/training are completed within required timelines.
Assess all credit applications to ensure a high-quality risk assessment, credit structure analysis, due diligence, and credit presentation.
Balance customer risk with pricing appropriately.
Maintain joint signature approval on credits within delegated limits and provide recommendations on all others.
Ensure the overall portfolio is comprehensively monitored and controlled in line with approved guidelines and operating policies and procedures.
Interpret and apply TD’s risk management strategy (credit and operational).
Implement and operate systems to identify and mitigate operational risk issues, including serving as the Unit’s designated anti-money laundering officer.
Stay informed about changing market conditions and relevant industry issues.
Manage aspects of the customer relationship, including reviewing reports and delinquencies, signing covenant compliance forms, assisting in developing strategy if failures occur, and conducting monthly monitoring.
May lead a team of Analysts in monitoring loan covenants, loan delinquencies, and the annual review and renewal of existing credit relationships.

Education & Experience

Undergraduate degree in Accounting or Finance; MBA and MBA candidates preferred
Minimum 5 years of experience in a related field
Strong credit underwriting and administration skills
Demonstrates ability to identify and mitigate risk
Solid understanding of value-add credit structuring in a commercial banking environment
Strong communication skills with business acumen
Solid interpersonal skills
Customer focused
Strong planning and organizational skills

Physical Requirements

Domestic Travel – Occasional
International Travel – Never
Sedentary work – Continuous
Performing multiple tasks – Continuous
Operating standard office equipment – Continuous
Responding quickly to sounds – Occasional
Sitting – Continuous
Standing – Occasional
Walking – Occasional
Moving safely in confined spaces – Occasional
Lifting/Carrying (under 25 lbs.) – Occasional
Lifting/Carrying (over 25 lbs.) – Never
Squatting – Occasional
Bending – Occasional
Kneeling – Never
Crawling – Never
Climbing – Never
Reaching overhead – Never
Reaching forward – Occasional
Pushing – Never
Pulling – Never
Twisting – Never
Concentrating for long periods of time – Continuous
Applying common sense to deal with problems involving standardized situations – Continuous
Reading, writing and comprehending instructions – Continuous
Adding, subtracting, multiplying and dividing – Continuous

The above statements are intended to describe the general nature and level of work performed by individuals in this role. They are not exhaustive of all responsibilities, duties, and skills required. The listed responsibilities and duties are considered essential for ADA purposes.

Who We Are

TD is among the world’s leading global financial institutions and ranks as the fifth largest bank in North America by branches and stores. We aim to make every interaction, product, and experience genuinely human and refreshingly simple for more than 27 million households and businesses worldwide. With over 95,000 TD colleagues, we strive to build deeper relationships, execute with discipline, and deliver a faster, simpler banking experience. TD remains committed to leadership in client experience, believing all colleagues, regardless of location, are client facing. Together, we are reimagining what banking can be for clients, colleagues, and communities.

The Total Rewards Package

Our Total Rewards package reflects the investments we make in colleagues and their families to support financial, physical, and mental well-being. Total Rewards at TD includes base salary and variable compensation or incentive awards (for example, eligibility for cash and/or equity incentives, typically through participation in an incentive plan) as well as several other key plans such as health and well-being benefits, savings and retirement programs, paid time off (Vacation PTO, Flex PTO, and Holiday PTO), banking benefits and discounts, career development, and recognition programs. Learn more

Additional Information

We appreciate your interest in pursuing a career with TD. Through regular development conversations, training programs, and a competitive benefits plan, we are committed to providing the support our colleagues need to thrive both at work and at home.

Colleague Development

If you are pursuing a specific career path or aiming to build certain skills, we want to help you succeed. You will have regular career, development, and performance discussions with your manager, access to an online learning platform, and a variety of mentoring programs to help unlock future opportunities.

If you’re passionate about helping clients and building deep, lasting relationships, TD offers diverse career paths where you can grow your expertise and make a meaningful i

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Business Banking Underwriter IV - Practice Finance

Huntington Bank Tupelo, MS

30d ago

$70k - $140k/yr Full time Senior Banking Business

Senior Banking Business

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Job Description

Overview

The Senior Business Banking Underwriter IV in Practice Finance is available to candidates across the Huntington footprint, with a base location in Tupelo, Mississippi 38801.

Responsibilities

Underwrite and assess Business Banking Healthcare, SBA, and USDA loan applications to determine creditworthiness and compliance with Huntington lending policies and SBA/USDA guidelines.
Analyze customer financial information to support sound credit decisions.
Document loan decisions and any closing conditions in detail.
Act as a liaison to internal clients to resolve lending issues and communicate decisions clearly.
Complete underwriting decisions in a timely manner.
Maintain up to date knowledge of Huntington lending policies, risk rating requirements, and regulatory standards.
Provide coaching to bankers on sound lending practices and credit risk management.
Work independently on larger, complex credit requests.
Adhere to bank policies, procedures, and applicable legal and regulatory requirements.
Offer mentorship to other underwriters or credit analysts within the designated group.
Support risk management, compliance, and audit performance for the assigned area, whether in a supervisory, managerial, or individual contributor role.
Collaborate with management to develop effective controls and processes to measure, monitor, and control risk and ensure ongoing compliance.
Keep current on risk-related changes impacting the area of responsibility.

Basic Qualifications

Bachelor's Degree.
Minimum of 7 years of experience analyzing and underwriting loans for business or commercial clients.

Preferred Qualifications

Experience with SBA or other government guaranteed loan programs.
Formal credit training is preferred.
Excellent customer service, highly motivated, focused, and goal oriented.
Strong written and verbal communication skills with professional presentation.
Strong organizational abilities with attention to detail, planning, and follow-up.
Ability to build and expand high quality internal and external relationships.

Exempt Status

Yes, this position is exempt from overtime pay.

Workplace Type

Office based. Our approach to office work arrangements supports flexibility where applicable. Some roles outside our branch network may offer a blend of in-office and remote work. Specific arrangements will be provided by the hiring team.

Compensation

Salary range: $70,000 to $140,000 per year. This base salary range represents the minimum and maximum for the role; actual pay may vary based on location, experience, and performance, and may be above or below this range. Employees in this role are eligible to participate in an applicable incentive compensation plan. Huntington also offers a comprehensive benefits package including health insurance, a wellness program, life and disability insurance, a retirement savings plan, paid leave programs, paid holidays, and PTO.

Equal Opportunity Employer

Huntington is an Equal Opportunity Employer.

Tobacco-Free Hiring Practice

Details are available on Huntington's Career Web Site.

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Senior Credit Officer

GPac Minneapolis, MN

1mo ago

$125k - $140k/yr Full time Senior Bachelor's Degree Banking

Senior Bachelor's Degree Banking

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Job Description

Position Overview

A well-capitalized, relationship-driven community bank is seeking a Senior Credit Officer to lead credit risk management, underwriting standards, and portfolio quality in a hands-on capacity. The selected executive will collaborate with the Chief Credit Officer, Chief Lending Officer, and senior management to foster a strong credit culture, ensure regulatory compliance, and support sustainable loan growth.

Reference: Sr Cre Off (3.14.26)

Location: Minneapolis, MN 55404

Salary: $125k - 140k per year

The ideal candidate will bring deep expertise in commercial credit underwriting, portfolio management, and regulatory engagement within a community or regional banking environment.

Key Responsibilities

Provide senior-level oversight of commercial credit underwriting across C&I, CRE, owner-occupied, and specialized lending portfolios
Review, approve, and structure complex and higher-risk credit relationships
Serve as a trusted advisor to lenders on deal structure, risk mitigation, and policy interpretation
Ensure compliance with internal credit policy, regulatory guidance, and safety-and-soundness standards
Lead or support loan review, criticized asset management, and credit administration functions
Participate in ALLL/CECL methodology, stress testing, and portfolio analytics
Partner with lending leadership to balance growth objectives with disciplined risk management
Prepare and present credit-related reporting to senior management, loan committee, and the Board
Support regulatory exams and act as a key point of contact with auditors and examiners
Mentor and develop credit analysts and junior credit staff, reinforcing strong underwriting discipline

Qualifications

10+ years of progressive commercial credit experience within a community or regional bank
Strong background in C&I and CRE underwriting, including complex credit structures
Prior experience in a Senior Credit Officer, Credit Manager, or Deputy CCO role preferred
Deep understanding of regulatory expectations (FDIC, OCC, Federal Reserve, or state regulators)
Proven ability to identify, measure, and mitigate credit risk across diverse loan portfolios
Strong communication skills with the ability to influence lenders, executives, and the Board
Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA or CPA a plus)

Why This Opportunity

Key leadership role with direct influence on the bank's credit culture and long-term stability
Well-capitalized community bank with a relationship-driven lending model
High visibility with executive leadership and the Board
Opportunity to help shape credit policy, underwriting standards, and portfolio strategy
Competitive compensation, bonus potential, and comprehensive benefits

This search is being conducted confidentially. Additional details will be shared with qualified candidates during the interview process.

For further information please contact Karen.smith@gogpac.com or call 517-325-3887.

All qualified applicants will receive consideration without regard to race, age, color, sex, religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.