Senior Credit Officer

BankFirst Financial Services; Starkville (MS); In loco; USD 120.000 - 170.000; Tempo pieno

Vantaggi offerti da questo lavoro

EO employer

Descrizione del lavoro

BankFirst seeks a Senior Credit Officer in Addison, AL to lead evaluation, structuring, and approval of complex commercial lending. You will sit on the Second Line of Defense, guiding risk policy and mentoring lending staff to strengthen credit analysis and underwriting standards.

Responsibilities include credit approval, CECL integration, policy exception management, and training to elevate the credit culture while ensuring regulatory compliance within the bank's risk framework.

Competenze

• 12+ years of progressive commercial credit and lending experience.
• 5+ years in a senior credit approval role with substantial delegated authority.
• Deep expertise in underwriting CRE and C&I transactions.
• Experience with Agricultural Lending and SBA (7a/504) or FSA programs preferred.

Mansioni

• Credit Approval & Portfolio Oversight: evaluate, structure, and approve complex loan requests; vote on Executive Loan Committee for larger relationships.
• Risk Rating & CECL Integration: ensure portfolio risk rating accuracy per CECL; coordinate workouts and exits as needed.
• Policy Exception Management: review and approve exceptions with full documentation and alignment to risk appetite.
• Lender Mentorship & Capacity Building: mentor lenders on deal structuring and credit package quality.
• Credit Culture & Training: lead internal training on credit fundamentals and loan structuring.
• Regulatory Compliance & Policy Refinement: ensure adherence to Loan Policy, Fed guidelines, and MS/AL DBCF regs.

Conoscenze

Credit analysis

Lending leadership

Risk management

Communication skills

Formazione

Bachelor's degree in Finance / Economics

Graduate School of Banking (preferred)

Descrizione del lavoro

If you are unable to complete this application due to a disability, contact this employer to ask for an accommodation or an alternative application process.

Senior Credit Officer

Full-time Regular Dir/Sr/Dept Mgr Addison, AL, US

BASIC PURPOSE OF POSITION

Serves as a key leader within the bank’s Second Line of Defense, directing the evaluation, structuring, and approval of complex commercial lending relationships. Maintains credit discipline and portfolio quality by serving on executive loan committees, enforcing risk policy, and actively mentoring production lending staff to elevate credit analysis, risk identification, and underwriting standards across the organization.

DUTIES OF POSITION

Credit Approval & Portfolio Oversight: Exercise delegated lending authority to evaluate, structure, and approve complex loan requests; serve as a voting member on the Executive Loan Committee for relationships exceeding individual authority limits.

Risk Rating & CECL Integration: Ensure portfolio risk rating accuracy aligned with Current Expected Credit Losses (CECL) methodology; partner with lenders and Special Assets to execute proactive workout and exit strategies for deteriorating credits.

Policy Exception Management: Review and approve commercial loan policy exceptions, verifying that key mitigating factors are fully documented, tracked, and aligned with overall risk appetite parameters.

Lender Mentorship & Capacity Building: Collaborate directly with commercial lenders during pre-flight and deal-structuring stages to refine credit package quality, cash flow analysis, and deal mechanics prior to formal credit submission.

Credit Culture & Training: Develop and lead internal training programs on credit fundamentals, collateral valuation, and loan structuring, shifting credit administration from a traditional "policing" function to a strategic partnership without compromising risk standards.

Regulatory Compliance & Policy Refinement: Ensure strict adherence to internal Loan Policy, Federal Reserve guidelines, and MS/AL DBCF regulations; assist the Chief Credit Officer (CCO) in refining policies to address emerging concentration risks and evolving market conditions.

EDUCATION, EXPERIENCE & SKILLS

Education

• Bachelor’s degree in Finance, Accounting, Economics, or a related business discipline required.
• Graduation from a recognized Graduate School of Banking (e.g., LSU, Barret, Stonier) preferred.

Experience

• 12+ years of progressive commercial credit and lending experience, including 5+ years in a senior credit approval role with substantial delegated authority at a peer or larger financial institution.
• Deep, proven expertise in underwriting complex Commercial Real Estate (CRE) and Commercial & Industrial (C&I) transactions.
• Experience with Agricultural Lending and SBA (7a/504) or FSA programs preferred.

Technical & Professional Skills

• Comprehensive knowledge of Federal Reserve and MS/AL DBCF commercial banking regulations.
• Direct expertise in CRE concentration risk management, stress testing, and CECL frameworks.
• Advanced credit analysis, deal negotiation, and talent development capabilities.
• Exceptional communication and interpersonal skills, with a proven ability to deliver firm credit decisions with tact and diplomacy while maintaining a supportive, developmental approach with production

BankFirst is an EO employer - M/F/Veteran/Disability