Senior Credit Officer

Overview

Old National Bank has been serving clients and communities since 1834. With over $70 billion in total assets, we are a regional powerhouse deeply rooted in the communities we serve. We are committed to social responsibility and investing in our communities through volunteering and charitable giving.

We continually seek highly motivated and talented individuals. We offer competitive compensation with salary and incentive program, plus medical, dental, and vision insurance. 401K, continuing education opportunities and an employee assistance program are included. Old National also offers Impact Network Groups led by team members who drive engagement, diversity, and inclusion across the organization. We offer a unique opportunity to join a growing, community- and client-focused company rooted in our core values.

We are currently seeking a Senior Credit Officer who will oversee the daily activities of the Commercial Underwriters, maintaining an efficient workflow while promoting a collaborative experience between direct reports, Relationship Managers, segment leadership, and other internal support areas. In the Business Banking Credit Center (BBCC), the Senior Credit Officer oversees underwriting of loan requests with exposures below $1 million. This role manages all BBCC underwriting tasks, including oversight of analyst work necessary to analyze, decide, and manage credit relationships in the Commercial portfolio, along with credit risk administration duties and the flow of credit approvals.

Responsibilities include maintaining loss ratios, accurately assessing risk, and assigning the appropriate risk rating in accordance with underwriting guidelines and procedures. It requires strong communication, leadership, critical thinking, knowledge of industry and bank underwriting standards, and confidence to make and support loan decisions.

We are an in-office working environment. This position can be located in one of the offices within our footprint.

The annual salary range for this position is $106,100 - $214,600. The base salary reflects the compensation range applicable to all levels of the role across the United States. Actual offers may vary based on factors including responsibilities, candidate’s relevant skills and professional experience, educational qualifications, and geographic location.

• Ensure credit quality targets for the loan portfolio are met
• Ensure analyses of underwriters are appropriate and asset quality ratings are accurate
• Engage with Credit Strategy to leverage portfolio data and industry/market trends to provide administrative oversight of the Commercial loan portfolio
• Ensure compliance with established corporate standards for Commercial portfolio
• Understand the state of the loan portfolio, identifying areas of potential concern and growth opportunities

• Develop Underwriters through appropriate training to ensure analysis on credit approval memorandums is accurate, factual, correct and meets bank requirements to make informed credit decisions
• Assist with evaluating, analyzing, and decisioning eligible loan applications while exercising granted loan authority in a responsible manner
• Lead and coach a team of credit professionals to perform at a high level and achieve their objectives
• Maintain and grow analytical skills and industry knowledge through internal and external training and development opportunities

• Collaborate with staff and production peers while executing the Bank’s Commercial Strategy
• Empower team to engage with Commercial Relationship Managers, CBU Agents, and Documentation Specialists as applications progress through internal commercial lending processes
• Complete special projects at the direction of the Bank’s credit administrators, which may include action and responses to OCC exams, internal audits, and loan review reports

• Actively supports people development through formal programs as well as targeted stretch assignments
• Continuo…