Senior Credit Officer

Burke & Herbert Bank & Trust; West Union (WV); Presencial; USD 95.000 - 160.000; Jornada completa

Descripción de la vacante

Burke & Herbert Bank & Trust in Charleston, WV seeks a Senior Credit Officer to provide independent credit judgment for complex commercial credits with significant loan authority. The role supports the bank’s credit culture by ensuring proper risk selection and adherence to policy, without direct supervisory responsibilities.

Responsibilities include reviewing and approving credit requests, structuring loans with covenants, leading risk management activities, and offering policy guidance to

Formación

• Bachelor’s degree required in Business, Accounting, Finance, or a related field.
• At least 10 years of experience in commercial banking credit underwriting.
• Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.
• Experience authoring credit policy guidance and presenting to stakeholders is preferred.

Responsabilidades

• Review and approve credit requests for commercial and business loans per loan policy.
• Review loan structures and recommend covenants and modifications to mitigate risk.
• Exercise independent authority to recommend loans outside policy where warranted.
• Lead credit risk management activities including stress testing and risk rating reviews.
• Provide credit policy interpretation and guidance to commercial lending partners.
• Collaborate with senior credit leadership to update loan policy.

Conocimientos

Credit underwriting

Financial analysis

Leadership

Excel

Communication

High-volume workload

Educación

Bachelor’s degree in Business, Accounting, Finance, or a related field

Herramientas

Microsoft Excel

Word

Outlook

Descripción del empleo

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

308 Chief Credit Office Charleston, WV, US

CLASSIFICATION:Exempt

REPORTS TO:Chief Credit Officer

DATE:November 6, 2026

JOB DESCRIPTION

SUMMARY/OBJECTIVE

The Senior Credit Officer is a senior individual contributor role within the Credit Risk Management function, responsible for independent credit judgment and risk assessment of complex commercial credits. This role will have significant loan authority to be used prudently. The position supports the Bank’s credit culture by ensuring proper risk selection, adherence to credit policy, and consistent application of regulatory standards across business lines. While the role carries significant influence and authority, it does not include direct supervisory or people management responsibilities.

ESSENTIAL FUNCTIONS

Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

• Review and approve credit requests for commercial and business loan requests in accordance with loan policy.
• Review loan structures and recommend appropriate covenants and structural modifications to mitigate risk.
• Exercise independent authority to recommend loans outside of policy guidelines when warranted.
• Lead credit risk management activities including stress testing, financial analysis, and risk rating reviews.
• Provide credit policy interpretation and guidance to commercial lending partners.
• Collaborate with senior credit leadership to propose loan policy enhancements and updates.

OTHER DUTIES

• Support lending staff with loan presentations and documentation within credit systems.
• Assist in preparing quarterly and ad hoc credit and financial reports.
• Stay current on regulatory guidance, loan policy changes, and market conditions.
• Perform other duties as assigned.

SKILLS/ABILITIES

• Advanced commercial credit underwriting and financial analysis skills.
• Strong leadership, mentoring, and team management capabilities.
• Advanced proficiency in Microsoft Excel; working knowledge of Word and Outlook.
• Strong analytical, critical thinking, written, and verbal communication skills.
• Ability to manage a high volume of transactions in a fast-paced, results-driven environment.

SUPERVISORY RESPONSIBILITY

This position does not have supervisory responsibilities.

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

PHYSICAL DEMANDS

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.

TRAVEL

Footprint wide travel may be required and regular visits to clients/prospects in market territory.

EDUCATION AND EXPERIENCE

• Bachelor’s degree in Business, Accounting, Finance, or a related field required.
• Requires at least 10 years of experience in commercial banking credit underwriting.
• Prior management or supervisory experience preferred.
• Demonstrated experience with credit risk management, loan policy interpretation, and credit committee presentations.

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.