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Commercial Credit Officer Jobs (NOW HIRING)

Citigroup Inc

Commercial Credit Officer

Chicago, IL · On-site

Commercial Credit Officer Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid ...

Savers Bank

Commercial Credit Officer

Southbridge, MA · On-site

$74K - $118K/yr

The Commercial Credit Officer plays a pivotal role in supporting the Bank's commercial lending by assessing and mitigating the risk associated with loan transactions. This role is responsible for ...

Savers Bank

Commercial Credit Officer

Southbridge, MA · On-site

The Commercial Credit Officer plays a pivotal role in supporting the Bank's commercial lending by assessing and mitigating the risk associated with loan transactions. This role is responsible for ...

Savers Bank

Commercial Credit Officer

Southbridge, MA · On-site

The Commercial Credit Officer plays a pivotal role in supporting the Bank's commercial lending by assessing and mitigating the risk associated with loan transactions. This role is responsible for ...

Citigroup, Inc.

Commercial Credit Officer

Irving, TX · On-site

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with ...

Citigroup, Inc.

Commercial Credit Officer

Irving, TX · On-site

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with ...

Citi

Commercial Credit Officer

Irving, TX · On-site

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with ...

New

Citi

Commercial Credit Officer

Chicago, IL · On-site

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with ...

New

Citigroup Inc

Commercial Credit Officer

Irving, TX · On-site

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with ...

Citi

Commercial Credit Officer

Irving, TX

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with ...

New

Citi

Commercial Credit Officer

Chicago, IL

Citi is looking for a Commercial Credit Officer to take ownership of credit underwriting and portfolio management within its rapidly growing US Commercial Bank, serving mid-to-large companies with ...

New

WSFS Bank

Commercial Credit Officer

Berwyn, PA · On-site

$111K - $183K/yr

WSFS Bank is currently seeking a Commercial and Industrial (C&I) focused Senior Credit Officer. This role is responsible for ensuring that C&I loan underwriting is thorough, well-supported and of the ...

WSFS Bank

Commercial Credit Officer

Berwyn, PA

$111K - $183K/yr

WSFS Bank is currently seeking a Commercial and Industrial (C&I) focused Senior Credit Officer. This role is responsible for ensuring that C&I loan underwriting is thorough, well-supported and of the ...

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Commercial Credit Officer information

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$35K

$98K

$147.5K

How much do commercial credit officer jobs pay per year?

As of Aug 30, 2026, the average yearly pay for commercial credit officer in the United States is $98,014.00, according to ZipRecruiter salary data. Most workers in this role earn between $78,000.00 and $120,500.00 per year, depending on experience, location, and employer.

What is a commercial credit officer?

A Commercial Credit Officer is responsible for evaluating and approving credit applications for businesses. They analyze financial statements, assess risk, and determine loan terms based on a company's financial health and creditworthiness. Their role involves working with relationship managers, conducting due diligence, and ensuring compliance with lending policies. The goal is to minimize risk while supporting business growth by providing appropriate financing solutions. This position requires strong analytical skills, knowledge of financial regulations, and attention to detail.

What are the key skills and qualifications needed to thrive as a commercial credit officer?

To thrive as a Commercial Credit Officer, you need strong financial analysis skills, knowledge of credit risk assessment, and typically a bachelor's degree in finance, accounting, or a related field. Familiarity with financial modeling software, credit scoring platforms, and loan origination systems is highly valuable, and industry certifications such as the Credit Risk Certification (CRC) can be beneficial. Excellent communication, negotiation, and problem-solving abilities set standout candidates apart by fostering productive client and team relationships. These skills are essential to accurately evaluate creditworthiness, make sound lending decisions, and contribute to the organization's financial health.

What are the common challenges faced by commercial credit officers in their day-to-day work?

Commercial Credit Officers often face the challenge of making balanced lending decisions by analyzing complex financial statements and assessing the risks associated with various industries and clients. Navigating fluctuating market conditions, tight deadlines for loan approvals, and adapting to regulatory requirements are also typical hurdles in this role. Additionally, they frequently work closely with relationship managers and clients to structure credit solutions that meet both the business's needs and the institution's risk appetite. Overcoming these challenges not only requires technical expertise but also strong interpersonal and time management skills.

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Commercial Credit Officer jobs near you
Infographic showing various Commercial Credit Officer job openings in the United States as of August 2026, with employment types broken down into 97% Full Time, and 3% Part Time. Highlights an 99% Physical, and 1% Remote job distribution, with an average salary of $98,014 per year, or $47.1 per hour.

Commercial Credit Officer

Winston Salem, NC • On-site

Allegacy Federal Credit Union
Finance and Insurance • 201 - 500 employees

7.5

Company rating: 7.5 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Good employer

Learn more about Allegacy Federal Credit Unionexternal

Full-time

Posted 19 days ago

Job description

Description

Role Accountability


At Allegacy, our roots run deep - anchored in a longstanding commitment to doing right by our members and the communities we serve. Every role within our organization plays a vital part in nurturing the relationships that make that promise real. As a member of our team, you'll be empowered to live out our brand every day, building meaningful connections that support the financial wellbeing of those who count on us most. 


In order to achieve this state of success, this position will counsel our commercial lenders with regard to cash flow, risk analysis, loan structure, and resource referrals. Additionally, this position will identify problem loans and direct these to the VP, Commercial Credit Officer in a timely fashion.


Major Duties and Responsibilities:

  • Support lending staff in the identification and assessment of business-purpose loan opportunities.
  • Complete financial statement analysis, spreads, projections, personal cash flow analysis, consolidated cash flow analysis, and risk grade documentation.
  • Demonstrate mentoring regarding loan structure, eligibility, credit issues and underwriting to members of the commercial banking department.
  • Assist in the evaluation of loan requests by performing initial underwriting and risk grade analysis in preparation for approval.
  • Perform industry research and assessment when needed by the VP, Commercial Credit Officer.
  • Identify problem loans and direct this to the VP, Commercial Credit Officer in a timely fashion.
  • Support the VP, Commercial Credit Officer in NCUA Examinations and CUNA Risk Assessments
  • Monitor Special Asset credits and work with Commercial Credit Officer to develop and execute viable exit strategies and business plans.
  • Develop a network for information exchange with other financial institutions to insure best practices.
  • Develop and refine underwriting and analysis tools for Commercial/Industrial, Commercial Real Estate, and other business purpose loans.
  • Ensure and manage the portfolio for accurate loan documentation, exception issues and loan processing in accordance with NCUA regulations and standard operating procedures and Allegacy Lending policy.
  • Completion of all required compliance training to include BSA.
  • Represent AFCU in the communities we serve by actively participating in civic affairs and local and professional organizations to enhance AFCU's image.
  • Assume additional responsibilities as requested.



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