Credit Officer/Portfolio Manager

 We are seeking an experienced individual that will play a key role in maintaining the quality and integrity of the Bank’s credit portfolio. This individual will partner closely with commercial lenders, treasury staff, and credit analysts across a range of industry sectors to structure, evaluate, and monitor credit relationships. The successful candidate will also assist the Chief Credit Officer in managing and resolving problem loans, ensuring adherence to sound credit practices, policies, and regulatory standards. This is an opportunity to be part of a trusted community-focused bank committed to sound growth and personalized service. The Credit Officer will influence the Bank’s credit culture, partner with an experienced leadership team, and help ensure the continued strength of our lending portfolio .

• Support the CCO in overseeing credit risk management for commercial and limited consumer portfolios.
• Participate in loan committee reviews, providing independent analysis and recommendations on credit requests.
• Collaborate with relationship managers to structure complex credit facilities across a variety of industry types, including commercial real estate, C&I, and specialized lending.
• Monitor portfolio performance, identify emerging risks, and propose proactive credit actions.
• Lead or assist in the workout and resolution of criticized and classified assets, including direct borrower contact, negotiation, and documentation.
• Review financial statements, projections, appraisals, and collateral documentation for accuracy and completeness.
• Provide mentoring and training to lending and credit personnel to reinforce underwriting and portfolio management standards.
• Contribute to policy development and process improvement initiatives within the Credit Administration function.
• Maintain compliance with all internal policies, regulatory guidelines, and Bank risk appetite parameters.

• Bachelor’s degree in Finance, Accounting, Business, or a related field (MBA or relevant certification preferred).
• Minimum of 10 years of progressive credit or lending experience within a community or regional bank setting.
• Strong understanding of credit risk management, loan structuring, and regulatory requirements.
• Demonstrated experience resolving problem credits and managing workout situations.
• Excellent analytical, communication, and interpersonal skills.
• Ability to work effectively and collaboratively across departments and industry concentrations.
• Proven leadership and mentoring abilities.