Jobs and Careers

Senior Credit Officer

United Statesfull_timeVerifiedPosted 4 May 2026

About the role

Summary: Support designated market by having a primary focus on underwriting and approval of credit requests. In addition, this role will support the overall on-going service of the market’s portfolio. The role includes traditional “credit” area responsibilities for asset quality. Incumbent will exhibit the ability to highlight credit proposals which in their view do not meet the FB credit risk appetite, and in those instances will consult with the Regional President(s) and Regional Credit Officers. Essential Duties and Responsibilities:

Proactively work with Bankers to make independent credit decisions in a timely manner that meets the Bank’s credit appetite and distinctive service commitment. The Sr. Credit Officer will be assigned credit authority in conjunction with their experience level, time within the FB position, and market needs.
Demonstrate ability to quickly analyze available information and formulate an action plan addressing the topics below:
- Initial exploratory discussions with MP/RM/PM.
- Deep financial assessment of Borrower/Guarantor
- Repayment capacity
- Evaluation of collateral
- Character and experience of Borrower/Guarantor
- Adherence to Policy
- Industry issues
Demonstrate knowledge of all credit products – loans, ACH, LCs, and SWAPs
Demonstrate knowledge of Consumer and Business (CRE and C & I) customer types, asset classes, and industries.
Assist with the education, training, and mentoring of Relationship Managers, Portfolio Managers, and Relationship Manager Associates related to the credit process.
Exhibit an expert understanding of banking industry regulatory compliance including FirstBank-specific policies and procedures, applying knowledge and best practices as appropriate.
With support of the Regional Credit Officer, assist Regional President/Market President with underwriting, structuring, and closing complex credits.
Customer Service: Responsible for fostering a professional experience for internal associates and external clients. Routinely attend weekly/monthly Market Sales Meetings and Client and Key Prospect Meetings.
Portfolio Management/On-going Servicing: With limited supervision and in a team approach, work closely with Market Presidents and Bankers to provide oversight and assistance with on-going analysis and identify customer trends and issues, modifications and amendments to existing loans, and timely and accurate risk ratings.
Practice safe and sound bank procedures, including adherence to applicable laws and regulations, internal controls, operational procedures, risk management policies, and security protocols

Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Education and/or Experience

Bachelor’s degree required. Degree in Finance, Accounting or Economics strongly preferred
Minimum 10+ years of banking experience with a minimum of 4 years in a meaningful credit role.

Skills and Abilities

Advanced Mathematical Skills - Ability to work with mathematical and algebraic concepts such as probability, statistical inference, forecasting, advanced ratio analysis and underwriting. Ability to apply and analyze concepts suc