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Credit Executive Jobs (NOW HIRING)

Atlantic Union Bank

Senior Credit Officer II

Columbia, MD · On-site

$81.28 - $135.73/hr

Organizational Relationship Reports to the Commercial Credit Executive Position Qualifications Education & Experience * Bachelor's degree in business, finance or related field. * Fifteen or more ...

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How much do credit executive jobs pay per year?

As of May 31, 2026, the average yearly pay for credit executive in the United States is $142,683.00, according to ZipRecruiter salary data. Most workers in this role earn between $108,500.00 and $160,000.00 per year, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Credit Executive, and why are they important?

To thrive as a Credit Executive, you need a solid understanding of financial analysis, risk assessment, and credit policies, typically supported by a degree in finance, accounting, or a related field. Familiarity with credit management software, financial modeling tools, and regulatory compliance systems is essential. Strong negotiation, analytical thinking, and interpersonal communication skills set top performers apart in this role. These capabilities are crucial for making informed credit decisions, maintaining healthy client relationships, and minimizing financial risk for the organization.

How does a Credit Executive typically collaborate with sales and risk management teams?

As a Credit Executive, you'll frequently work alongside sales teams to assess new client applications and ensure credit policies are followed while supporting business growth. You'll also collaborate closely with risk management to evaluate potential exposures, set credit limits, and develop strategies to minimize bad debt. This cross-functional teamwork requires strong communication skills and a balanced approach to both enabling sales and protecting company assets.

What are Credit Executives?

Credit Executives are professionals responsible for evaluating and approving credit applications for individuals or businesses. They assess the creditworthiness of applicants by analyzing financial statements, credit reports, and other relevant information. Their role is crucial in minimizing financial risk for lenders while ensuring that qualified customers receive appropriate credit facilities. Credit Executives often work in banks, financial institutions, or credit departments of large companies.
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Credit Executive jobs near you
Infographic showing various Credit Executive job openings in the United States as of May 2026, with employment types broken down into 73% Full Time, 25% Part Time, and 2% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $142,683 per year, or $68.6 per hour.
Senior Credit Officer II

Senior Credit Officer II

Atlantic Union Bank

Columbia, MD

Other

Posted 16 days ago

Atlantic Union Bank rating

7.2

Company rating: 7.2 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

96th of 141 rated banks

Job description

Description

The Senior Credit Officer is responsible for loan approvals on real estate and non-real estate commercial purpose loans, though the incumbent's responsibilities may be focused on either or both of these loan types. Loan authority would be commensurate with experience and expertise. From time to time, this position may need to provide guidance on credits that are either classified/criticized and/or have been recently downgraded where a clear plan of action is needed. This position will interact closely with the Wholesale Banking Group with the ultimate goal to provide timely responses on complete loan request packages and approvals that are consistent with the corporate credit culture.

Position Accountabilities

  • Reviews and determines appropriate risk assessment of commercial loan requests including an appropriate level of analysis of borrower's business, management, industry and financial condition and operations.
  • Exercises signature loan approvals on commercial loan requests with exposure levels to be determined based on experience and expertise.
  • Makes recommendations on credits that require higher levels of approval.
  • Provides expertise and leadership in larger more complex credit requests and/or relationships.
  • Makes joint calls with relationship managers as needed and as time permits.
  • Provides direction to and partners with the Wholesale Banking Group on how to most effectively and efficiently leverage the credit process so that both credit quality and loan growth objectives are met.
  • Provides guidance/mentoring to both credit support personnel and commercial relationship managers on risk management issues as requested or otherwise deemed necessary or appropriate.
  • Discusses credits with Internal Loan Review and/or Bank Examiners as requested.
  • Assists the Chief Credit Officer and the Senior Credit Risk Officer with drafting or revising credit policies, product guidelines, and procedures; credit training; and various credit risk management/administration projects as the need may arise.
  • Works with commercial relationship managers and line management to ensure proper servicing of the commercial loan portfolio.
  • Works with commercial relationship managers and line management to ensure that commercial loan portfolio credit quality goals are met.

Organizational Relationship

Reports to the Commercial Credit Executive

Position Qualifications

Education & Experience

  • Bachelor's degree in business, finance or related field.
  • Fifteen or more years experience in commercial banking and/or a credit administration position that had signature loan approval responsibilities.

Knowledge & Skills

  • Ability to work accurately with detailed information
  • Ability to handle confidential information with the utmost of discretion
  • Ability to work independently
  • Strong interpersonal, communication and listening skills
  • Results oriented, decisive and willingness to be firm when needed
  • PC proficiency with a working knowledge of word processing and spreadsheet software and nCino
  • Ability to effectively analyze data in order to accurately assess risk from a cash flow, collateral, industry, local market conditions and management perspective in order to ensure appropriate credit and loan structuring decisions are made in a timely manner
  • Demonstrated leadership and skills in determining and recommending appropriate solutions on problem credits
  • Maintains current operating knowledge of all job-relevant legal and regulatory requirements through the successful completion of compliance and regulatory training and attendance at all mandatory regulatory compliance activities

Salary offered will be based on several factors including but not limited to education, work experience, certifications, etc. This position is also eligible to participate in either an applicable incentive compensation plan for the position or a discretionary profit sharing bonus program. General information on our comprehensive benefits package can be found by visiting https://www.atlanticunionbank.com/about/careers/benefits.

We are proud to be an Equal Employment Opportunity employer. We maintain a drug-free workplace.


Equal Opportunity Employer
This employer is required to notify all applicants of their rights pursuant to federal employment laws. For further information, please review the Know Your Rights notice from the Department of Labor.

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