Senior Credit Officer: Drive Asset Quality & Lending

American National bank of Texas; Terrell (TX); On-site; USD 110,000 - 190,000; Full time

Job summary

American National Bank of Texas is seeking a Senior Credit Officer to manage credit risk, oversee lending policies, and guide the commercial portfolio's asset quality. You will approve loans within policy, mentor staff, and contribute to loan strategy and resolutions.

The role emphasizes analytical rigor, leadership of credit teams, and collaboration with relationship managers while ensuring regulatory compliance and sound lending practices.

Qualifications

• Bachelor's degree or equivalent education/work experience.
• 10+ years of progressively responsible supervisory work in lending, credit analysis, and related fields; proficiency in analysis software.

Responsibilities

• Review loan applications and analyze credit information to assess customer worthiness and approve requests per policy.
• Manage asset quality for the commercial portfolio and identify problem loans.
• Support business development by participating in sales calls.
• Prepare reports on large loan applications and present to Loan Committee with recommendations.
• Mentor lenders, relationship managers, and analysts.
• Guide loan officers on policies, credit analysis, and investigations; assist training.
• Develop asset resolution strategies including restructures and modifications.
• Prepare internal criticized asset reports.

Skills

Credit analysis

Financial statement evaluation

Portfolio management

Lending policy knowledge

Education

Bachelor's degree or equivalent education/work experience

Tools

Excel

MS Word

Analysis software

Job description

American National Bank of Texas is seeking a Senior Credit Officer to manage credit risk, oversee lending policies, and guide the commercial portfolio's asset quality. You will approve loans within policy, mentor staff, and contribute to loan strategy and resolutions.

The role emphasizes analytical rigor, leadership of credit teams, and collaboration with relationship managers while ensuring regulatory compliance and sound lending practices.