Senior Credit Risk Officer

Dexian; Fort Worth (TX); On-site; USD 120,000 - 190,000; Full time

Benefits offered by this job

Medical, dental, vision

Long-term disability

Life insurance

401(k) matching

Paid holidays and generous PTO

Health and wellness programs

Employee assistance programs

Referral bonus programs

Job summary

Dexian seeks a Senior Credit Risk Officer to lead loan review and approval with authority up to $20 million across commercial banking products. You will analyze structures, assess risk, and ensure credit quality while upholding integrity and service excellence.

You’ll monitor portfolios, guide credit education initiatives, and collaborate with lending teams to deliver accurate risk assessments and timely decisions in a fast-paced environment.

Qualifications

• Bachelor’s degree in Finance or Accounting.
• 10+ years of banking experience with formal credit training.
• Experience reviewing and approving loans across commercial banking.
• Strong written and verbal communication skills.
• Proficiency with Microsoft Office.

Responsibilities

• Monitor lending teams and identify credit risk concerns.
• Review and approve credit requests, modifications, amendments, and waivers.
• Ensure efficient delivery of credit risk support and good customer experience.
• Provide guidance for credit education initiatives and process improvements.
• Advise on loan structures to improve credit quality.

Skills

Credit risk analysis

Communication skills

Microsoft Office

Banking experience

Education

Bachelor's degree in Finance or Accounting

Job description

It’s about interactions more than transactions.

Are you ready to facilitate all the moving pieces to help deliver a top-quality experience? Have others complimented you on your attention to detail and exceptional organizational skills? Are you known for your ability to adapt in everchanging fast-paced environments? If so, this Senior Credit Risk Officer opportunity could be for you.

This organization is committed to fostering an environment that reflects strong values while providing opportunities for employees to grow both professionally and personally. Joining this team means becoming part of a long-standing financial institution focused on delivering exceptional financial services and building lasting relationships.

Who you are:

As a Senior Credit Risk Officer, you will serve as a key support resource responsible for reviewing and approving loans and credit limits with limited oversight across various commercial banking products. You will evaluate loan structures, ensuring appropriate product selection and credit exposure while maintaining approval authority up to $20 million.

You will also review loan packages for completeness, accuracy, and adherence to credit standards. This role requires strong analytical skills, sound judgment, and the ability to build relationships while operating with integrity, accountability, and excellence.

What you’ll do:

• Monitor lending teams, portfolios, and lines of business for credit risk concerns, including exception reporting, past dues, loan agreement compliance, trend analysis, and emerging risk identification
• Review and approve credit requests, modifications, amendments, and waivers for commercial banking relationships across various product areas
• Ensure efficient delivery of credit risk support while promoting a strong internal and external customer experience
• Provide expertise and guidance for credit education initiatives and process improvements
• Offer feedback on proposed loan structures and recommend enhancements to improve credit quality

What you’ll need:

• Bachelor’s degree, preferably in Finance or Accounting
• 10+ years of banking experience with completion of formal credit training or equivalent expertise in credit analysis and secured lending
• Proven experience managing loan portfolios and approving credit risk through various economic cycles
• Strong written and verbal communication skills
• Proficiency with Microsoft Office applications

Additional Preferred Skills:

• 15+ years of banking experience with previous Relationship Manager experience preferred

The organization offers a comprehensive benefits package designed to support employees’ health, financial security, and future, including:

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Paid holidays and generous paid time off
• Health and wellness programs
• Employee assistance programs
• Referral bonus programs and more

Dexian is an Equal Opportunity Employer that recruits and hires qualified candidates without regard to race, religion, sex, sexual orientation, gender identity, age, national origin, ancestry, citizenship, disability, or veteran status.

Dexian is an Equal Opportunity Employer that recruits and hires qualified candidates without regard to race, religion, sex, sexual orientation, gender identity, age, national origin, ancestry, citizenship, disability, or veteran status.