Senior Credit Risk Officer

Frost Bank; Fort Worth (TX); On-site; USD 140,000 - 210,000; Full time

Benefits offered by this job

Medical insurance

401(k) matching

Paid time off

Tuition reimbursement

Wellness programs

Referral bonus

Job summary

Frost Bank in Fort Worth, Texas is seeking a Senior Credit Risk Officer to oversee loan review and credit approvals up to $20 million for commercial banking relationships. You will evaluate loan structures, ensure adherence to credit standards, and drive risk awareness across teams while delivering excellent customer service.

The role requires a finance or accounting background and extensive banking experience.

Qualifications

• Bachelor's degree in Finance or Accounting
• 10+ years of banking experience with credit analysis or credit training
• Demonstrated experience in managing loan portfolios and approving credit risks
• Excellent written and verbal communication skills
• Proficient in Microsoft Office applications

Responsibilities

• Review and approve credit requests, modifications, amendments, and waivers for commercial banking relationships across product areas
• Monitor lending teams and portfolios for credit risk issues such as exception reporting and trend analysis
• Ensure efficient delivery of credit risk to promote a strong customer experience both internally and externally
• Provide guidance on loan package improvements and credit education content
• Act with integrity, care, and excellence to achieve optimal outcomes

Skills

Communication skills

Attention to detail

Microsoft Office

Education

Bachelor's degree in Finance or Accounting

Tools

Microsoft Office

Job description

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, being a Senior Credit Risk Officer with Frost could be for you. At Frost, it’s about more than a job. It’s about having a flourishing career where you can thrive, both in and out of work. At Frost, we’re committed to fostering an environment that reflects our values and encourages team members to be the best they can be. In joining our adaptable, integrity-driven team, you’ll become part of Frost’s over 150-year legacy of providing unparalleled financial services.

Who you are

As a Senior Credit Risk Officer, you are our key support. You will be responsible for the review and approval of loans and credit limits, under little oversight, within various product areas for commercial banking relationships. You will evaluate the structure of the loan, ensuring an appropriate product type and level of credit is extended to the borrower with a credit approval limit of up to $20 million. You will also verify that proposed loan packages meet organization credit standards, reviewing for completion and accuracy. More than that, this role is about building relationships and doing so with integrity, caring, and excellence in mind.

What you’ll do

• Monitor various lending teams, groups of lending teams, and lines of business portfolios for credit risk issues, including but not limited to: exception reporting, past dues, loan agreement compliance, trend analysis, and identification of emerging risks
• Review and approve credit requests, modifications, amendments and waivers for commercial banking relationships; credit requests range across various product areas, including but not limited to: loans, treasury management, global trader services, and other exposures
• Expected to ensure the efficient delivery of credit risk to promote an excellent customer experience both internally and externally
• May act as a source of knowledge to assist in identifying relevant content for credit education programs
• Provide guidance and feedback on how proposed loan packages can be improved
• Always take action using Integrity, Caring, and Excellence to achieve all-win outcomes

What you’ll need

• Bachelor’s degree, preferably in Finance or Accounting
• 10+ years of banking experience, with completion of a formal credit training program or equivalent knowledge of credit analysis and secured lending
• Demonstrated experience in successfully managing loan portfolios and approving credit risks through economic cycles
• Excellent written and verbal communication skills
• Proficient in Microsoft computer applications
• Additional Preferred Skills:
  • 15+ years of banking experience with time spent as a relationship manager

Our Benefits

• Medical, dental, vision, long-term disability, and life insurance
• 401(k) matching
• Generous holiday and paid time off schedule
• Tuition reimbursement
• Extensive health and wellness programs, including our Employee Assistance Program
• Referral bonus program + more!

Since 1868, Frost has dedicated their expertise to provide exceptional banking, investment, and insurance services to businesses and individuals throughout Texas.

Frost is one of the 50 largest U.S. banks by asset size and is a leader in banking customer satisfaction.

At Frost, it’s about being part of something bigger.

Our Most Important Relationship Starts Here

Frost’s commitment to cultivate long-term relationships is one of the reasons we’re recognized as a premier employer in the financial services industry. To attract qualified professionals, we offer an environment that’s supportive of both your professional and personal goals by providing our employees with competitive salaries and an outstanding benefits package. Frost was named to Forbes magazine's list of the Best Employers.

Frost is an Equal Opportunity Employer and does not discriminate on the basis of any protected trait, including sex, sexual orientation, gender identity, race, ethnicity, disability, or veteran status.

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