AVP​/Senior Credit Officer

Trust Bank is seeking an accomplished Senior Credit Officer to serve as a strategic leader within our organization and a trusted partner to the Chief Credit Officer. This individual will lead the credit analyst function, provide expert guidance on complex lending relationships, and help build the processes, talent, and infrastructure necessary to support a growing and evolving Credit Department. Ideal candidates will possess exceptional commercial credit skills, strong leadership capabilities, and a desire to influence the future direction of credit administration and management within a relationship-focused community bank.

JOB DESCRIPTION

JOB TITLE: AVP/SENIOR CREDIT OFFICER

DEPARTMENT: CREDIT

REPORTS TO: VP/CHIEF CREDIT OFFICER

FLSA STATUS: EXEMPT

TYPE OF POSITION: FULL-TIME

JOB SUMMARY

The Senior Credit Officer serves as a key leader within the Credit Department and is a strategic partner to the Chief Credit Officer. This role is responsible for overseeing the credit analyst function, ensuring high-quality underwriting and risk assessment practices, and supporting the continued development of the Bank's credit risk framework. The position plays an integral role in building a scalable, high-performing Credit Department through talent development, process improvement, and effective risk management.

The Senior Credit Officer independently evaluates complex lending relationships, provides recommendations regarding credit quality and risk ratings, and collaborates with lending teams to support sound credit decisions that align with the Bank's risk appetite and growth objectives.

PRIMARY DUTIES AND RESPONSIBILITIES

(Other duties may be assigned.)

Credit Risk Management

• Analyze complex commercial, agricultural, consumer, and real estate lending relationships to evaluate overall credit quality and repayment capacity.

• Review financial statements, tax returns, collateral documentation, appraisals, and market data to identify risks and opportunities.

• Prepare comprehensive credit presentations that support informed lending decisions.

• Recommend risk ratings in accordance with Loan Policy and established credit grading standards.

• Identify emerging portfolio risks and recommend appropriate mitigation strategies.

• Participate as a non-voting member of Loan Committee meetings.

• Oversee the annual loan review, appraisal and environmental review, and loan reporting programs and initiatives.

Team Leadership

• Lead, mentor, and develop the credit analyst team to promote consistent, high-quality underwriting and professional growth.

• Manage departmental workflow, establish priorities, and allocate resources to ensure timely completion of credit requests.

• Partner with the Chief Credit Officer in performance management, talent acquisition, succession planning, and staff development initiatives.

Department Development and Strategic Initiatives

• Partner with the Chief Credit Officer and senior management to strengthen and expand the Bank's Credit Department.

• Develop and enhance operating procedures, quality control practices, and reporting processes.

• Lead initiatives that improve efficiency, consistency, scalability, and effectiveness within the credit review process.

• Assist in establishing departmental goals, performance metrics, and service standards.

• Evaluate and leverage technology, data analytics, automation, and authorized artificial intelligence tools to improve underwriting efficiency and risk monitoring while maintaining sound credit judgment and regulatory compliance.

Collaboration and Compliance

• Build effective partnerships with loan officers, lenders, credit analysts, auditors, loan review personnel, and senior management.

• Support annual loan review activities and regulatory examination preparation as needed.

• Ensure adherence to internal policies, lending regulations, and risk management standards.

• Recognize and appropriately escalate suspicious or unusual activities in accordance with Bank compliance requirements.

• Complete special projects and other assignments as requested by senior management.

TRAITS/CHARACTERISTICS OF A SUCCESSFUL SENIOR CREDIT OFFICER

• Serves as a trusted advisor and…