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Credit Executive Jobs (NOW HIRING)

THIRD COAST BANK

Regional Credit Officer

Austin, TX · On-site

The Regional Credit Officer (RCO) serves as the senior credit executive for an assigned market or region and is responsible for ensuring sound credit quality, consistent risk management practices ...

THIRD COAST BANK

Regional Credit Officer

Houston, TX · On-site

The Regional Credit Officer (RCO) serves as the senior credit executive for an assigned market or region and is responsible for ensuring sound credit quality, consistent risk management practices ...

THIRD COAST BANK

Regional Credit Officer

Humble, TX · On-site

The Regional Credit Officer (RCO) serves as the senior credit executive for an assigned market or region and is responsible for ensuring sound credit quality, consistent risk management practices ...

Atlantic Union Bank

Credit Officer

Reston, VA · On-site

$155K - $259K/yr

Reports to the Commercial Credit Executive Position Qualifications: Education & Experience: * Bachelor's degree in business, finance or related field. * Ten or more years' experience in commercial ...

Atlantic Union Bank

Credit Officer

Reston, VA · On-site

$155K - $259K/yr

Reports to the Commercial Credit Executive Position Qualifications Education & Experience * Bachelor's degree in business, finance or related field. * Ten or more years' experience in commercial ...

AMERICAN

Credit and Collections Specialist

Birmingham, AL · On-site

$20.50 - $27.25/hr

Exhibit Credit Business Associate (CBA), Credit Business Fellow (CBF), or Certified Credit Executive (CCE) professional certification. Proof of certification required. AMERICAN Benefits * 401(k) Plan

Atlantic Union Bank

Senior Credit Officer II

Columbia, MD · On-site

$169K - $282K/yr

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

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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Credit Executive information

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$54K

$142.7K

$249.5K

How much do credit executive jobs pay per year?

As of Jun 26, 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.

What job makes $10,000 a month without a degree?

A Credit Executive can potentially earn $10,000 or more per month through commissions and bonuses, especially in high-performing roles within financial institutions. Success in this position often depends on strong sales skills, industry experience, and building client relationships, with some roles requiring relevant certifications but not necessarily a degree.

What is the role of a credit executive?

A credit executive is responsible for evaluating and managing the creditworthiness of clients or customers to minimize financial risk for a company. They analyze financial data, review credit applications, and set credit limits, often using financial software and adhering to company policies. Strong analytical skills and knowledge of credit laws are essential for this role.

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.

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 is the highest paying job in credit?

The highest paying roles in credit typically include senior positions such as Credit Director, Credit Vice President, or Chief Credit Officer, which oversee credit policies and risk management at a strategic level. These roles often require extensive experience, strong analytical skills, and relevant certifications like CFA or CPA, and they can offer six-figure salaries depending on the company and location.

What are the 5 C's of credit?

The 5 C's of credit—character, capacity, collateral, capital, and conditions—are criteria used by credit executives to evaluate a borrower's creditworthiness. These factors help determine the risk of lending and influence approval decisions. Understanding and assessing these elements are essential skills for credit professionals involved in risk management and credit analysis.
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Credit Executive jobs near you
Regional Credit Officer

Regional Credit Officer

THIRD COAST BANK

Austin, TX • On-site

Full-time

Posted 3 days ago

Job description

The Regional Credit Officer (RCO) serves as the senior credit executive for an assigned market or region and is responsible for ensuring sound credit quality, consistent risk management practices, and prudent portfolio growth across Community Banking lending activities. The RCO partners closely with Relationship Managers, Market Presidents, Regional Presidents, Credit Administration, and Executive Management to support profitable growth while maintaining adherence to the Bank's credit culture, risk appetite, and regulatory expectations.


The RCO exercises delegated lending authority, provides leadership in structuring complex commercial credit facilities, and serves as a key advisor on credit strategy, portfolio composition, and emerging risk trends. The role supports a broad range of commercial lending activities, including Commercial & Industrial (C&I), owner-occupied real estate, investor commercial real estate, construction, healthcare, professional services, and other middle-market and community banking relationships.


Key Responsibilities:

Credit Leadership & Risk Management

  • Exercise delegated approval authority in accordance with Bank loan policy.
  • Evaluate and approve complex commercial credit requests, modifications, renewals, and portfolio management actions.
  • Ensure consistent application of credit policy, underwriting standards, and risk rating methodologies.
  • Identify emerging credit risks, industry concentrations, geographic concentrations, and borrower-specific concerns.
  • Monitor portfolio quality metrics, criticized assets, classified assets, delinquency trends, and concentration limits.
  • Participate in development and execution of credit risk mitigation strategies.
  • Assist in management of problem loans, workout strategies, and special asset situations.

Lending Partnership

  • Provide guidance on loan structure, collateral, guarantor support, covenant design, pricing, and repayment sources.
  • Participate in client meetings and prospect discussions as appropriate.
  • Serve as a trusted advisor to lending teams on complex credit matters.
  • Facilitate timely credit decisions while maintaining sound underwriting discipline.

Portfolio Oversight

  • Monitor the overall health and performance of assigned regional loan portfolios.
  • Evaluate trends within CRE, C&I, construction, healthcare, investor real estate, and other key portfolio segments.
  • Assess industry, economic, and market conditions impacting portfolio performance.
  • Recommend changes to underwriting standards, concentration limits, and risk appetite when warranted.

Leadership & Talent Development

  • Mentor, coach, and develop Credit Officers, Underwriters, Portfolio Managers, and other credit professionals.
  • Foster consistency in credit analysis and decision-making across regions.
  • Support succession planning and talent development initiatives within Credit Administration.
  • Assist in recruiting and developing future credit leaders.

Governance & Regulatory Support

  • Serve as a voting member of Officer Loan Committee and other credit committees as assigned.
  • Assist in maintaining and enhancing credit policies, procedures, and underwriting standards.
  • Support regulatory examinations, internal audits, loan reviews, and external credit reviews.
  • Ensure compliance with all applicable banking regulations and internal policies.
  • Partner with Finance and Credit Administration regarding CECL, portfolio analytics, and risk reporting initiatives.

Strategic Initiatives

  • Participate in enterprise-wide projects related to credit systems, portfolio management, process improvement, and risk management.
  • Support the Bank's strategic growth initiatives and market expansion efforts.
  • Assist the Chief Credit Officer in developing scalable credit infrastructure appropriate for a growing regional banking organization.


Education and Experience:

Education

  • Bachelor's Degree in Finance, Accounting, Economics, Business Administration, or related field required.
  • Advanced banking, credit, or financial certifications are preferred.

Experience

  • Minimum 15 years of progressive commercial banking experience with significant credit and lending responsibility.
  • Demonstrated expertise in both Commercial & Industrial (C&I) and Commercial Real Estate (CRE) lending.
  • Experience approving and managing complex middle-market and community banking credit relationships.
  • Prior lending authority within a commercial bank environment.
  • Experience with syndicated credits, participations, and multi-bank relationships preferred.
  • Experience working with regulatory examinations, loan review functions, and portfolio management processes.
  • Familiarity with CECL, concentration management, and commercial portfolio analytics preferred.

Knowledge & Skills

  • Strong understanding of commercial credit structuring, underwriting, and portfolio risk management.
  • Advanced knowledge of commercial banking products and services.
  • Strong analytical, financial statement, and cash flow analysis capabilities.
  • Ability to balance risk management objectives with business development goals.
  • Excellent executive presence and communication skills.
  • Ability to influence decision-making across multiple business lines.
  • Demonstrated leadership and talent development capabilities.


Supervisory Responsibility

Future responsibility for Credit Officers within respective regions.


Position Type:

This position is a full-time, exempt position. Typical work hours are Monday through Friday, 8:00am to 5:00pm.


Travel:

Some travel between Third Coast Bank offices may be required.