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Credit Officer Jobs in Indiana (NOW HIRING)

FCN Bank

FCN Bank Chief Loan Officer

Brookville, IN · On-site

FCN Bank Chief Loan Officer FCN Bank Chief Lending Officer Department: Commercial Lending Job ... This includes overseeing credit quality, product development, pricing strategies, lending ...

FCN Bank

FCN Bank Chief Loan Officer

Brookville, IN

$120K - $170K/yr

FCN Bank Chief Loan Officer FCN Bank Chief Lending Officer Department: Commercial Lending Job ... This includes overseeing credit quality, product development, pricing strategies, lending ...

FCN Bank

FCN Bank Chief Loan Officer

Brookville, IN

$120K - $170K/yr

FCN Bank Chief Lending Officer Department: Commercial Lending Job Status: Full-time FLSA Status ... This includes overseeing credit quality, product development, pricing strategies, lending ...

FCN Bank

FCN Bank Chief Loan Officer

Brookville, IN · On-site

$120K - $170K/yr

FCN Bank Chief Lending Officer Department: Commercial Lending Job Status: Full-time FLSA Status ... This includes overseeing credit quality, product development, pricing strategies, lending ...

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Showing results 1-20

All JobsCredit Officer JobsCredit Officer Jobs in Indiana

Credit Officer information

See Indiana salary details

$33.3K

$93.3K

$140.4K

How much do credit officer jobs pay per year?

As of Jul 30, 2026, the average yearly pay for credit officer in Indiana is $93,267.00, according to ZipRecruiter salary data. Most workers in this role earn between $74,200.00 and $114,700.00 per year, depending on experience, location, and employer.

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 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 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.

More about Credit Officer jobs
What are the most commonly searched types of Credit Officer jobs in Indiana? The most popular types of Credit Officer jobs in Indiana are:
What are popular job titles related to Credit Officer jobs in Indiana? For Credit Officer jobs in Indiana, the most frequently searched job titles are:
What job categories do people searching Credit Officer jobs in Indiana look for? The top searched job categories for Credit Officer jobs in Indiana are:
What cities in Indiana are hiring for Credit Officer jobs? Cities in Indiana with the most Credit Officer job openings:
What are popular job titles related to Credit Officer jobs in IN? For Credit Officer jobs in IN, the most frequently searched job titles are:
Credit Officer jobs near you
Infographic showing various Credit Officer job openings in Indiana as of July 2026, with employment types broken down into 84% Full Time, 15% Part Time, and 1% Contract. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $93,267 per year, or $44.8 per hour.

Credit Officer, FCF

First Financial Bank

Indianapolis, IN • On-site

Full-time

Posted 18 days ago

Job description

We do the right things, right now. We do them in a way that is relevant to our clients. Become a part of our history as it continues to be written!
If you are interested and qualified for this role, we invite you to apply.
First Commercial Finance (FCF) Credit Officers provide leadership, direction, oversight, and guidance in regards to FCF credit origination, underwriting, and management. The position may be responsible to provide leadership, direction, and guidance to the Market or Portfolio Managers, Credit Analysts or Underwriters, and Loan Origination or Sales staff. First Commercial Finance Credit Officers have a shared responsibility with line and product management for the credit quality of assigned portfolios and are members of various credit approval and Problem Loan Committees.
Essential Functions/Responsibilities
  • The FCF Credit Officer (CO) may have lending authority up to $7.5 million in exposure and provides recommendations to Executive and Senior Management for the approval of any credit requests included in credit exposures exceeding $7.5 million.
  • The FCF CO may have direct supervision responsibilities for the Underwriters, Credit Analysts, Portfolio Analysts, or others in the commercial finance credit process.
  • It is the responsibility of a FCF CO to recommend to the FCF management, the Chief Corporate Credit Office or Chief Line of Business Credit Officer, and assist through direct or indirect involvement, in the improvement of Credit Processes, Policies, and Underwriting Standards. They may be called upon to present to, or participate with, Executive and Senior Management in regards to a variety of Commercial Finance Credit issues.
  • Ensure the completion and appropriate management of Credit Quality, Management, Underwriting, Analysis and Client or Concept reviews to be in concert with FFB/FCF Credit Culture.
  • Approve and Recommend Commercial Finance Credits within the Credit Approval Policies and Processes of the bank within their assigned credit authority.
  • Participate in reviews of the Credit Quality (Past Due's, Classified, Non-Accrual, Charge-Offs) and Credit Management (Matured Loans, Credit, Documentation, and Policy Exceptions) with appropriate credit staff in their assigned areas of responsibility to achieve "Satisfactory" or better results.
  • Share in the responsibility to ensure the appropriate assignment of Asset Quality Ratings on all loan relationships.
  • Assist Special Asset officers in developing appropriate workout strategies to include Exit vs. Retain decisions.
  • Assist in reviewing and/or negotiating proposed legal loan documents when requested to do so by FCF management or FCF Bank Counsel.
  • Assist in areas of training generally in regards to Credit processes, policies, and management.
  • Perform other duties as assigned by FCF management.

Minimum Knowledge, Skills, and Abilities Needed to Perform Essential Functions of the Job
  • 10+ years of related experience and/or training: or equivalent combination of education and experience.
  • Bachelor's degree in Finance, Business Administration, Accounting, or related field.
  • Demonstrated experience managing complex commercial credit exposures.
  • Thorough knowledge of bank credit policies, approval processes, underwriting standards, and risk management frameworks.
  • Advanced familiarity with federal and state banking regulations governing commercial lending, asset quality, and legal documentation/loan contracts.
  • Strong analytical, critical thinking, and problem-solving skills.
  • Excellent leadership abilities, including direct supervision, coaching, and mentoring of teams.
  • Advanced written and verbal communication skills for presentations and reports to senior and executive management.
  • Effective interpersonal and collaboration skills for cross-functional teamwork and committee participation.

Preferred Knowledge and Skills
Level of Complexity and Scope
  • Oversees complex commercial finance credit transactions with lending authority up to $7.5 million, often involving multi-faceted financial structures, risk analysis, and diverse industries.
  • Advises on special assets, credit exceptions, and highly complex scenarios through the organization.

Degree of Independence and Decision-Making
  • Exercises significant independent judgment in evaluating, underwriting, approving, and recommending commercial finance credits within assigned authority.
  • Proactively identifies and implements improvements to processes, policies, and underwriting standards, with latitude to propose organizational changes to higher management.
  • Participates in organization-wide committees and strategic meetings impacting bank-wide credit risk, policy direction, and process improvement.

Required Supervisory Responsibilities
  • The FCF CO may have direct supervision responsibilities for the Associate Credit Officers, Underwriters, Credit Analysts, Portfolio Analysts, or others in the commercial finance credit process.

Physical Requirements
  • Primary work environment is a professional office setting with standard business hours; work is primarily sedentary, involving prolonged periods sitting at a desk and working at a computer.
  • Frequent use of computers, telephones, and other standard office equipment.
  • Occasional standing, walking, and light lifting (up to 20 lbs.).
  • Occasional travel required to visit other offices, business partners, or clients by car and/or air (if applicable)
  • Ability to effectively communicate in person and via electronic means.

Compliance Statement
The associate is responsible for meeting all compliance requirements imposed on First Financial Bank by State and Federal law and regulation, as well as all related First Financial Bank policies and procedures. This includes all Bank Secrecy Act, Anti-Money Laundering, OFAC and Suspicious Activity reporting requirements, as well as all other lending and deposit compliance requirements.
Development and Training
Pay range $130,000.00/year - $209,400.00/year
Benefits
We have relevant, thoughtful benefits and programs that support every aspect of our associates' holistic wellbeing. Please review our Benefits Guide.
Incentive Eligibility
All roles are incentive eligible with the exception of Co-Op, Intern, or Student positions.
It is our policy to not discriminate against any individual in violation of federal, state, and local laws as it relates to age, race, color, religion, national origin, sex, marital status, pregnancy, gender identity, disability, sexual orientation, genetic information, veteran/military service, or any other characteristic protected by law.
We are an E-Verify Employer.

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