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Credit Officer Jobs (NOW HIRING)

Schertzbank

Credit Officer

Schertz, TX · On-site

$125 - $150/hr

Job Title Credit Officer Career Details * Reports to: Chief Credit Officer * Department: Credit * FLSA Status: Exempt * Location: Schertz - Main Location Job Summary The Credit Officer will support ...

ServisFirst Bank

Credit Officer

Birmingham, AL · On-site

Credit Officer At ServisFirst, Our Name is Our Mission. Duties and Responsibilities The Credit Officer gathers and reviews financial data in order to evaluate the creditworthiness of potential ...

ServisFirst Bank

Credit Officer

Homewood, AL · On-site

DUTIES AND RESPONSIBILITIES The Credit Officer gathers and reviews financial data in order to evaluate the creditworthiness of potential clients and offer alternatives to meet client lending needs.

ServisFirst Bank

Credit Officer

Birmingham, AL · On-site

DUTIES AND RESPONSIBILITIES The Credit Officer gathers and reviews financial data in order to evaluate the creditworthiness of potential clients and offer alternatives to meet client lending needs.

Aston Carter

Credit Officer

Fargo, ND · On-site

$72K - $105K/yr

Credit Officer The Credit Officer evaluates and manages commercial and agricultural credit risk to support a high-quality loan portfolio. This role performs comprehensive financial and cash flow ...

Tower Community Bank

Credit Officer

Chattanooga, TN · On-site

Role Description The Credit Officer is a full-time, on-site role based in Chattanooga, TN. This role is responsible for evaluating credit applications, analyzing financial information, and ...

Firstrust Bank

Credit Officer

Conshohocken, PA · On-site

The Credit Officer is responsible for independently underwriting, approving, and managing credit risk within assigned commercial lending portfolios (C&I, SBA or CRE) in accordance with the Bank ...

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · Hybrid

$195K - $235K/yr

Chief Credit Officer (CCO) Southwest Michigan | Hybrid | $195,000-$235,000 Base Salary A financially strong and growing community bank in Southwest Michigan is seeking a strategic Chief Credit ...

Community Bank

Credit Officer III

Burbank, CA · On-site

$104K - $150K/yr

Credit Officer III Exact compensation may vary based on skills, experience and/or education, and location. This position is also eligible for an annual bonus. The Credit Officer III has prior ...

Citizens Business Bank

Credit Officer III

Burbank, CA · On-site

$104K - $150K/yr

SUMMARY The Credit Officer III has prior experience and expertise in credit analysis, with an understanding and ability to handle financial statement, tax return and cash flow analysis for businesses ...

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Credit Officer information

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$35K

$98K

$147.5K

How much do credit officer jobs pay per year?

As of Sep 8, 2026, the average yearly pay for 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 credit officer?

A credit officer processes financial loan applications for clients on behalf of banks. Their job responsibilities include helping clients choose the best loan options for their car, mortgage, or personal credit. Other duties include evaluating credit, entering financial data, and performing risk assessments. To become a credit officer, you need a bachelor’s degree in finance, accounting, or economics. Additional qualifications, such as the certified lender business banker (CLBB) credential, can help you advance in this career.

What does a credit officer do?

A Credit Officer is responsible for evaluating and approving loan applications by assessing the creditworthiness of individuals or businesses. They analyze financial information, credit reports, and other relevant data to determine the risk involved in lending money. Credit Officers also ensure that all loans comply with the institution's lending policies and government regulations, and they may work with clients to explain loan terms and answer questions. Their role is crucial in minimizing financial risk for banks and other lending institutions.

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

To succeed as a Credit Officer, you need a strong background in finance, risk assessment, and credit analysis, often supported by a degree in finance, accounting, or a related field. Familiarity with credit scoring software, loan management systems, and financial modeling tools is essential. Excellent analytical thinking, attention to detail, and clear communication skills help set top performers apart. These abilities are crucial for making informed lending decisions, minimizing risk, and fostering positive client relationships.

What are some common challenges credit officers face when assessing loan applications, and how can these be overcome?

Credit Officers often encounter challenges such as incomplete financial documentation, complex client financial histories, and tight deadlines for decision-making. Overcoming these requires strong analytical skills, attention to detail, and effective communication with applicants to clarify missing or ambiguous information. Building collaborative relationships with underwriting teams and staying updated on regulatory changes can also streamline the evaluation process and improve decision accuracy.

What is the difference between Credit Officer vs Loan Officer?

AspectCredit OfficerLoan Officer
CredentialsTypically requires a bachelor's degree in finance, accounting, or related field; certifications like CAMS or CPA are a plusSimilar educational background; often holds licenses or certifications depending on loan types
Work EnvironmentWorks in banks, credit unions, or financial institutions assessing creditworthinessWorks in banks, mortgage companies, or lending firms evaluating loan applications
Primary ResponsibilitiesAnalyzes credit data, assesses risk, and approves or declines credit applicationsAssists clients in obtaining loans, evaluates financial information, and recommends loan options

While both roles involve evaluating financial information, Credit Officers focus on assessing credit risk and approving credit lines, whereas Loan Officers primarily assist clients in securing loans by guiding them through the application process.

What do you need to be a credit officer?

To become a credit officer, candidates typically need a bachelor's degree in finance, accounting, or a related field. Relevant skills include strong analytical abilities, attention to detail, and knowledge of credit reporting and risk assessment. Professional certifications such as the Certified Credit Executive (CCE) can also enhance job prospects.
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Credit Officer jobs near you
Infographic showing various Credit Officer job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 83% Full Time, and 16% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $98,014 per year, or $47.1 per hour.

Credit Officer

Schertzbank

Schertz, TX • On-site

$125 - $150/hr

Other

Re-posted 3 days ago

Job description

Full Time; Schertz – Main Location. Posted on 6/9/2026.

Job Title

Credit Officer

Career Details
  • Reports to: Chief Credit Officer
  • Department: Credit
  • FLSA Status: Exempt
  • Location: Schertz – Main Location
Job Summary

The Credit Officer will support the Bank in many capacities including mentoring Credit Department staff, reviewing credit requests/annual reviews, and assisting the Chief Credit Officer with policies, procedures, reporting and projects. The Credit Officer collaborates with Loan Officers, Credit Department staff, and Loan Operations to ensure effective management and risk evaluation of the loan portfolio.

Key Responsibilities
  • Act as a voting member of the Executive Loan Committee, contributing expertise and insights.
  • Assist in training and mentoring a team of credit analysts/portfolio analysts.
  • Review credit requests and loan modifications for accuracy and provide feedback to credit analysts and loan officers.
  • Review risk rating analysis and Criticized/Classified Asset Reports and provide feedback.
  • Approve requests such as borrowing bases and construction draws.
  • Prepare assigned board reports.
  • Assist Chief Credit Officer in developing loan policies, procedures & templates.
  • Assist in collection efforts and collaborate with outside counsel of the Bank when necessary.
  • Assist with projects and exams/loan reviews as assigned.
  • Attend/complete assigned training.
  • Comply with and enforce all Bank policies/procedures and regulatory requirements/laws.
  • Maintain Company and customer confidentiality.
  • Perform additional duties as assigned.
Education
  • Bachelor’s degree in finance, accounting, economics or related business field.
  • A minimum of 10 years of applicable experience in commercial loan underwriting/credit administration.
  • Alternatively, a minimum of 15 years of applicable experience may be substituted for the above educational requirement.
Skills
  • Familiarity with financial spreading software and bank core systems.
  • Strong analytical, critical thinking and organizational skills.
  • Effective written and verbal interpersonal skills and ability to work well with customers and internal teams.
  • Maintains professional demeanor at all times.
  • Detail-oriented.
  • Ability to work independently and possess excellent time management and prioritization skills.
  • Proficient in financial and office software (Excel, financial modeling tools, etc.).
  • Strong understanding of financial market conditions.
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