Credit Risk - Senior Credit Officer

Cobnks; Kansas City (MO); On-site; USD 90,000 - 120,000; Full time

Benefits offered by this job

401k

Insurance

Paid time off

Stock purchase program

Banking perks

Job summary

The Cobnks Bank is seeking a highly skilled Senior Credit Officer in Kansas City, MO to manage the underwriting and decision-making on business credits received. You will ensure compliance with lending policies while building relationships with major clients.

Candidates should have a Bachelor’s degree and over 10 years of related experience. Strong analytical and communication skills are critical. Benefits include a competitive salary and generous benefit package.

Qualifications

• 10+ years of progressive job-related experience.
• Advanced degree or certification related to the field is a plus.
• 12+ years of commercial credit experience preferred.

Responsibilities

• Underwrite and make decisions on business credits.
• Manage monitoring of and renewals of credits.
• Establish relationships with large clients.

Skills

Judgment and decision‑making ability

Accuracy and attention to detail

Strong project management skills

Exceptional communication skills

Well‑developed analytical skills

Knowledge of banking laws and regulations

Proficiency in MS Office applications

Education

Bachelor’s degree in Business Administration, Accounting, Auditor or equivalent

Job description

7800 E Orchard Rd, Greenwood Village, CO 80111, USA

1111 Main St, Kansas City, MO 64105, USA

Salt Lake City, UT, USA

Job Description

Posted Tuesday, June 2, 2026 at 6:00 AM

As a Senior Credit Officer, you will be responsible for underwriting and decisions on business credits received from the Commercial Relationship Management team in compliance with the Bank’s lending policies and procedures. You will be responsible for a variety of tasks including utilizing various tools on financial statement analysis, company information, industry information and calls to the client, identifying risk on loans and mitigate while identifying cross sales and pre-approvals, documenting declines including any discussions that take place, helping design new credit policies, processes and procedures, and approve credits up to legal limit while maintaining an appropriate credit risk level. As the Senior Credit Officer, you will manage monitoring of and renewals of credits, work with department to maintain the corporate credit policy and manage client credit files and recommend changes in the credit policy to senior management.

As a Senior Credit Officer, you will have an opportunity to personally investigate the largest clients’ credit applications, visit the largest clients to establish relationships, and monitor periodic credit reviews. You will participate in meetings, special projects and training when needed, build a great rapport with clients and fellow associates, and treat others with respect and consideration regardless of their status or position.

All associates are expected to maintain current knowledge and consistent compliance with regulations and bank policies and procedures related to the position, including but not limited to Bank Secrecy Act (BSA) and Office of Foreign Assets Control (OFAC) requirements.

Minimum Requirements:

• Bachelor’s degree in Business Administration, Accounting, Auditor or equivalent combination of education and related work experience.
• 10+ years of progressive job-related experience.

Desired Qualifications:

• Advanced degree or certification related to field.
• 12+ years of commercial credit experience.
• Previous managerial experience.
• Thorough knowledge of credit‑related laws.

Desired Skills:

• Judgment and decision‑making ability
• Accuracy and attention to detail
• Demonstrated integrity and ethical standards
• Strong project management and multi‑tasking skills
• Exceptional verbal, written and interpersonal communication skills; ability to apply a common sense approach to issue resolution.
• Well‑developed analytical skills; ability to assimilate large volumes of information, prioritize issues, form conclusions, determine appropriate action, and effectively translate complicated concepts into simple and understandable communications.
• Strong knowledge of banking laws and regulations and appraisal process related.
• Ability to write policies and procedures for risk related functions.
• Ability to work with other business unit leaders on committees and on projects to address risk issues.
• Proficient in MS Office applications which include Outlook, Word, Excel, and PowerPoint.

We are committed to our core value of meritocracy and supporting our associates in growing within their role.

When completing certain tasks, an associate may need to be able to grasp, push, pull, lift, bend, raise and hold hands and arms overhead.

Must be able to work at a rapid pace for long periods of time (typically no longer than 8 hours).

Must be able to work overtime to the extent necessary.

Must be able to travel – estimated at 25% to 50% of the time.

In addition to your financial compensation, we also offer a generous benefits package that includes insurance, 401k, an associate stock purchase program, paid time off, associate banking perks.

The Bank is committed to providing qualified applicants and associates reasonable accommodation, when necessary, to enable the individuals to complete the application process and/or perform the essential functions of the job. An applicant and/or associate requiring reasonable accommodation to perform any essential job function, should contact Human Resources.

The Bank's policy is to provide equal opportunity to all people without regard to race, color, religion, national origin, ancestry, marital status, veteran status, age, disability, pregnancy, genetic information, citizenship status, sex, sexual orientation, gender identity or any other legally protected category. The Bank is proud to be a drug-free workplace.

Colorado Residents: In any materials you submit, you may redact or remove age-identifying information such as age, date of birth, or dates of school attendance or graduation. You will not be penalized for redacting or removing this information.

Selected candidate(s) for hire must complete the following prior to employment: a criminal history report, global screen, drug screen, employment credit report and if applicable, a driving record. Applicants must be legally authorized to work in the United States. Verification of employment eligibility will be required at the time of hire.