Senior CRE & Construction Credit Officer — Remote

NASB Financial, Inc.; Kansas City (MO); Hybrid; USD 180,000 - 280,000; Full time

Benefits offered by this job

Health insurance

401(k) with employer match

Generous PTO and holidays

Mortgage/ banking benefits

Internal training and development

Job summary

North American Savings Bank (NASB) in Kansas City, MO, seeks a seasoned SVP, Senior Credit Officer – CRE & Construction Lending to lead the credit portfolio governance, underwriting standards, and risk management for residential development, SFR, BTR, multifamily, and CRE projects.

The role reports to senior leadership and collaborates with CEO, CLO, and lending teams to drive profitable growth while maintaining disciplined credit risk. Hybrid work with some remote days possible.

Qualifications

• 15+ years commercial banking experience with CRE and construction focus.
• 10+ years credit leadership experience.
• Deep expertise in underwriting, portfolio management, and risk governance.
• Experience with CECL, stress testing, and concentration risk.
• Strong communication and presentation skills.
• Experience with regulators, audits, and Board-level reporting.

Responsibilities

• Lead credit analyst team and oversee day-to-day underwriting operations.
• Review and approve credit memorandums and complex transactions.
• Ensure timely, accurate assessment of CRE and construction loans.
• Maintain underwriting standards and credit quality.
• Develop and maintain credit risk framework, policies, and concentration limits.
• Monitor KRIs, rating migration, delinquency, and emerging risks.
• Contribute to CECL/ACL analysis and reserve adequacy.
• Provide credible challenge and participate in credit committees.
• Analyze portfolio performance, concentrations, and market trends.
• Conduct stress testing and sensitivity analysis.
• Track policy exceptions and identify systemic risk issues.
• Report to senior management, Audit Committee, and Board.
• Oversee underwriting for residential construction and development, SFR, BTR, multifamily, and CRE build-to-suit projects.
• Evaluate project feasibility, absorption, and exit strategies.
• Align portfolio strategy with market conditions and risk appetite.
• Compliance & Regulatory Oversight: Ensure adherence to regulatory requirements and internal policies.
• Serve as a liaison with regulatory agencies on construction and commercial real estate matters.
• Support internal and external audits, examinations, and loan reviews.
• Maintain sound credit governance practices.
• Leadership & Development: Mentor and develop credit and underwriting personnel.
• Foster a strong credit culture and accountability.
• Establish performance expectations and succession planning initiatives.
• Work with executive leadership across lending and risk functions.

Skills

Credit leadership

Underwriting

Credit governance

CECL

Stress testing

Regulatory reporting

Communication

Presentation skills

Job description

North American Savings Bank (NASB) in Kansas City, MO, seeks a seasoned SVP, Senior Credit Officer – CRE & Construction Lending to lead the credit portfolio governance, underwriting standards, and risk management for residential development, SFR, BTR, multifamily, and CRE projects.

The role reports to senior leadership and collaborates with CEO, CLO, and lending teams to drive profitable growth while maintaining disciplined credit risk. Hybrid work with some remote days possible.