Senior Credit Risk Officer

Frost; Fort Worth (TX); On-site; USD 150,000 - 230,000; Full time

Benefits offered by this job

Medical, dental, vision insurance

401(k) matching

Generous holiday and PTO schedule

Tuition reimbursement

Employee Assistance Program

Job summary

Frost in Fort Worth is seeking a Senior Credit Risk Officer to review and approve loans and credit limits across commercial banking relationships, with up to $20 million per package. You’ll assess loan structure, credit type, and proper limits while building relationships with integrity and excellence.

You will monitor portfolios, guide risk assessments across products, and influence credit education, delivering outstanding customer experiences internally and externally.

Qualifications

• Bachelor’s degree in Finance or Accounting is required.
• 10+ years of banking experience with credit training or equivalent knowledge.
• Proven ability to review and approve credit requests and manage credit risk.
• Excellent written and verbal communication skills; proficient with MS Office.

Responsibilities

• Monitor lending teams and portfolios for credit risk issues.
• Review and approve credit requests, modifications, and waivers for commercial banking relationships.
• Ensure efficient delivery of credit risk to promote a high-quality customer experience.
• Provide guidance to improve loan packages and educate on credit standards.
• Act with integrity, caring, and excellence to achieve favorable outcomes.

Skills

Credit analysis

Loan portfolio management

Credit risk assessment

Financial statement analysis

Risk monitoring

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

At Frost, we care about your health, your family, and your future and strive to have our benefits reflect that. This includes:

• 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.