Credit Officer

Cogent Bank; Coral Gables (FL); On-site; USD 95,000 - 125,000; Full time

Job summary

Cogent Bank is seeking a Credit Officer to assess creditworthiness and document lending decisions. You will analyze loan applications, review clients’ financial information, and ensure compliance with internal and regulatory guidelines while delivering best-in-class service.

The role requires strong lending knowledge, analytical skills, and the ability to manage relationships across markets. Travel may be required as part of outside market coverage.

Qualifications

• 5+ years of proven experience in a lending and/or credit capacity in a financial institution.
• Bachelor’s degree with emphasis in business, accounting, finance; MBA preferred.
• Hands-on experience with lending procedures and products.
• Ability to create and process financial spreadsheets.
• Strong analytical skills.
• Strong customer service skills.
• Travel as needed to outside markets.

Responsibilities

• Proposes and/or champions all deals during term sheet sessions to Chief Credit Officer and Senior Credit Officer.
• Underwrites New, Renewals, Modifications, Annual Reviews; sole responsibility for Market and Divisional’s Larger Borrower report.
• Have co-lending authority with Market President / Senior Credit Officer.
• Pull personal and corporate credit bureaus as well as OFAC reports.
• Carry some lending relationships graded Watch or Worse and present/administer WOW reports.
• Assist Chief Credit Officer and Senior Credit Officer on policy and procedure writing for Lending/Credit.
• Ensure BSA compliance by following BSA/AML/OFAC policies and completing related courses.
• All other tasks as directed by management.

Skills

Lending experience

Credit analysis

Financial analysis

Customer service

BSA/AML compliance

Spreadsheet skills

Travel readiness

Education

Bachelor’s degree in business, accounting, or finance

MBA preferred

Job description

Description

Job Summary

A Credit Officer facilitates lending for our clients by assessing creditworthiness as well as providing sound documentation. Credit Officer responsibilities include analyzing loan applications, evaluating clients’ financial information, and mitigating any weaknesses. To be successful in this role, a candidate will have a good understanding of lending procedures and developing a best in class customer service experience. Ultimately, you will help our clients secure capital in a timely manner, while ensuring compliance within internal and regulatory guidelines.

Requirements

Responsibilities and Duties

• Proposes and/or champions all deals during the term sheet / rump sessions to Chief Credit Officer and Senior Credit Officer.
• Underwrites New, Renewals, Modifications, Annual Reviews and is solely responsible for the Market and Divisional’s Larger Borrower report.
• Have co-lending authority with Market President / Senior Credit Officer.
• Pull personal and corporate credit bureaus as well as OFAC reports.
• Carry some lending relationships graded Watch or Worse as well as present and administer (WOW reports).
• Assist Chief Credit Officer and Senior Credit Officer on policy and procedure writing for the Lending / Credit side of the bank.
• Ensures BSA compliance by reading and being familiar with the BSA/AML program/policy; following all BSA/AML/OFAC policies and procedures; and completing all BSA/AML/OFAC related online courses.
• All other tasks, responsibilities, or duties, as directed by management.

Qualifications and Skills

• 5+ years of proven experience in a lending and/or credit capacity in a financial institution
• Minimum educational requirement of a bachelor’s degree with an emphasis in business, accounting, finance as well as formally bank credit trained. MBA preferred.
• Hands‑on experience with lending procedures and products.
• Ability to create and process financial spreadsheets.
• Strong analytical skills.
• Strong customer service skills.
• Respectful to all employees, regional and executive management as well as in any interactions with any Board of Directors.
• Ability to travel as needed to outside markets.