Credit Officer
Atlanta, GA · On-site
The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior management.
Credit Officer
Atlanta, GA · On-site
The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior management.
As a Structured Credit Risk Credit Approver, you will provide independent, well-reasoned credit judgement across structured transactions (Leveraged Acquisition Finance, Financial Sponsors, Commercial ...
As a Structured Credit Risk Credit Approver, you will provide independent, well-reasoned credit judgement across structured transactions (Leveraged Acquisition Finance, Financial Sponsors, Commercial ...
Credit Officer
Atlanta, GA · On-site
Credit Officer The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior ...
Credit Officer
Atlanta, GA · On-site
Credit Officer The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior ...
Credit Officer II
Fort Lauderdale, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
Fort Lauderdale, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
West Palm Beach, FL · On-site
$85 - $115/hr
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
West Palm Beach, FL · On-site
$85 - $115/hr
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
West Palm Beach, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
West Palm Beach, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
Miami, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
Miami, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
Miami, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
Miami, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
Fort Lauderdale, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
Fort Lauderdale, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
West Palm Beach, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
Credit Officer II
West Palm Beach, FL · On-site
Act as a credit approver in coordination with Risk, ensuring adherence to credit policies and standards * Provide mentorship, coaching, and oversight to junior underwriting and analyst team members ...
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
Credit Officer II - Sports Finance and Advisory
Charlotte, NC · On-site
$150 - $210/hr
Act as a credit approver in partnership with Risk Management, ensuring compliance with credit policies and underwriting standards. * Support and mentor junior underwriting and analyst team members ...
Credit Officer II - Sports Finance and Advisory
Charlotte, NC · On-site
$150 - $210/hr
Act as a credit approver in partnership with Risk Management, ensuring compliance with credit policies and underwriting standards. * Support and mentor junior underwriting and analyst team members ...
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
The role also serves as Line/Credit approver in conjunction with Risk management based on credit approval grid and drives the internal credit approval process, loan documentation and closing.
Credit Approver information
What is a credit approver?
Credit Approvers are professionals responsible for evaluating and deciding whether to approve or deny credit applications from individuals or businesses. They analyze financial information, credit history, and other relevant data to assess the risk of lending money or extending credit. Credit Approvers work in banks, financial institutions, or companies that offer credit services, ensuring that lending decisions align with the organization's policies and risk tolerance. Their role is crucial in minimizing potential losses while supporting business growth.
How does a credit approver typically collaborate with other departments during the loan approval process?
Credit Approvers frequently work closely with teams such as sales, underwriting, and risk management to ensure a thorough review of loan applications. They may consult with sales representatives to clarify client profiles, coordinate with underwriters to assess risk factors, and liaise with legal or compliance teams to ensure all regulatory requirements are met. This collaborative approach helps ensure that credit decisions are both prudent and aligned with the organization's risk appetite. Effective communication and teamwork are essential to streamline the approval process and minimize bottlenecks.
What are the key skills and qualifications needed to thrive as a credit approver, and why are they important?
To thrive as a Credit Approver, you need strong analytical skills, attention to detail, and a solid understanding of credit risk principles, often supported by a degree in finance, accounting, or a related field. Familiarity with credit management software, financial modeling tools, and knowledge of regulatory compliance requirements are typically required. Excellent judgment, communication skills, and the ability to make sound decisions under pressure are vital soft skills. These competencies ensure accurate credit assessments, minimize risk, and support sound lending decisions for the organization.
What is the difference between Credit Approver vs Credit Analyst?
| Aspect | Credit Approver | Credit Analyst |
|---|---|---|
| Required Credentials | Typically a bachelor's degree in finance, accounting, or related field; certifications like CFA or CPA are common | Same as Credit Approver: bachelor's degree, relevant certifications beneficial |
| Work Environment | Banking, finance companies, or lending institutions; review and approve credit applications | Financial institutions, credit bureaus; analyze credit data and assess risk |
| Employer & Industry Usage | Used in lending, banking, and credit departments | Common in finance, banking, and credit agencies |
| Comparison Search Intent | Understanding roles in credit approval process | Analyzing creditworthiness and risk assessment |
While both Credit Approvers and Credit Analysts work within the finance and credit sectors, Credit Approvers focus on making final decisions on credit applications, whereas Credit Analysts evaluate credit data to inform those decisions. Both roles require similar credentials and are integral to the lending process.
More about Credit Approver jobs
What states have the most Credit Approver jobs?
States with the most job openings for Credit Approver jobs include:
What job categories do people searching Credit Approver jobs look for?
The top searched job categories for Credit Approver jobs are:
Other
Posted 11 days ago
Job description
SUMMARY:
The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior management. This position will help manage credit projects and will help with identifying process improvements and efficiencies.
PRINCIPAL ACCOUNTABILITIES:
Time: Description:
50% Ensures requests are underwritten soundly, in conformity with Fidelity Bank's Credit Policy and Procedures.
10% Ensures risk and mitigants are clearly discussed and policy exceptions are described, supported, and reported.
25% Approves or denies requests within delegated authority.
7% Recommends approval or denial of credit requests exceeding authority.
1% Communicates crisply and timely to parties affected by the decision.
1% Ensures accurate and proper loan file documentation.
1% Works effectively and cooperatively with Business Development Officers, Analysts, Credit Risk Review Officers, and other team members in achieving goals.
1% Demonstrates teamwork and facilitates communication and workflow, including creative and pragmatic solutions to credit challenges.
1% Advises credit and loan staff on the impact of bank credit policy and portfolio trends current relationships as well as requests pending from prospects.
1% Answers any questions of loan documentation staff as to appropriate documentation, covenants, etc. for approved requests.
1% Provide support to Business Development Officers in all areas of credit. This includes assisting with loan applications, explaining lending credentials and all other processes surrounding lending.
1% Other duties and responsibilities as given by supervisor.
BASIC QUALIFICATIONS:
Bachelor's degree with 7 years of experience in commercial and consumer lending or an equivalent combination of education and experience.
ADDITIONAL QUALIFICATIONS:
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Affirmative Action/Equal Opportunity Employer
The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior management. This position will help manage credit projects and will help with identifying process improvements and efficiencies.
PRINCIPAL ACCOUNTABILITIES:
Time: Description:
50% Ensures requests are underwritten soundly, in conformity with Fidelity Bank's Credit Policy and Procedures.
10% Ensures risk and mitigants are clearly discussed and policy exceptions are described, supported, and reported.
25% Approves or denies requests within delegated authority.
7% Recommends approval or denial of credit requests exceeding authority.
1% Communicates crisply and timely to parties affected by the decision.
1% Ensures accurate and proper loan file documentation.
1% Works effectively and cooperatively with Business Development Officers, Analysts, Credit Risk Review Officers, and other team members in achieving goals.
1% Demonstrates teamwork and facilitates communication and workflow, including creative and pragmatic solutions to credit challenges.
1% Advises credit and loan staff on the impact of bank credit policy and portfolio trends current relationships as well as requests pending from prospects.
1% Answers any questions of loan documentation staff as to appropriate documentation, covenants, etc. for approved requests.
1% Provide support to Business Development Officers in all areas of credit. This includes assisting with loan applications, explaining lending credentials and all other processes surrounding lending.
1% Other duties and responsibilities as given by supervisor.
BASIC QUALIFICATIONS:
Bachelor's degree with 7 years of experience in commercial and consumer lending or an equivalent combination of education and experience.
ADDITIONAL QUALIFICATIONS:
- Demonstrated ability to underwrite complex commercial loans and make sound loan approval decisions of up to $500,000.
- Expertise in loan underwriting, portfolio management, written/oral communication skills, and management experience.
- Excellent computer skills including experience with spreadsheet analysis and Microsoft Office.
- Excellent leadership skills.
- Ability to work well in a teamwork environment.
- Strong attention to detail and analytical ability.
The above statements are intended to describe the general nature and level of work being performed by people assigned to this job.
They are not intended to be an exhaustive list of all responsibilities, duties and skills required of personnel so classified.
Affirmative Action/Equal Opportunity Employer