Credit Officer

Job description

Overview The Credit Officer is responsible for underwriting, managing, and monitoring an assigned portfolio of Commercial & Industrial (C&I) loan relationships. This role reviews new and renewal loan requests, performs detailed credit analysis, recommends loan structures, and presents well-supported approval recommendations. The Credit Officer also provides ongoing portfolio management through continuous monitoring, annual reviews, covenant compliance oversight, and servicing modifications—delivering high levels of responsiveness and service to internal partners and clients. Responsibilities: - Underwrite and structure owner-occupied C&I credit requests sourced by Relationship Managers, applying bank policy, risk appetite, and sound credit judgment. - Perform borrower and guarantor analysis (financial statements, tax returns, A/R and A/P agings, projections, and industry/market trends) to assess repayment capacity and validate risk ratings. - Prepare clear credit approval recommendations, including sources/uses, collateral analysis, covenant packages, guarantees, and repayment support. - Evaluate operating performance, leverage, liquidity, cash flow, and collateral, documenting key...