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Credit Officer Jobs in Michigan (NOW HIRING)

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 ...

STURGIS BANK

Chief Credit Officer

Sturgis, MI · On-site

The Chief Credit Officer (CCO) is responsible for the overall credit quality, risk management, and loan portfolio performance of the Bank including retail and commercial. This position provides ...

Huntington

Credit Review Officer - Consumer

Detroit, MI · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

Huntington

Credit Review Officer - Consumer

Detroit, MI · On-site +1

$70K - $140K/yr

The Credit Review Officer - Consumer reports to a Credit Review Group Manager or Team Lead. The ideal candidate is a proven credit risk professional with an exceptional delivery track record within ...

Bank of Ann Arbor

Credit Manager

Ann Arbor, MI · On-site

Serve as a trusted advisor to the Chief Credit Officer by providing proactive insight into developing risks, complex credits, and trends that may adversely impact portfolio performance * Support the ...

Bank of Ann Arbor

Credit Manager

Ann Arbor, MI · On-site

Serve as a trusted advisor to the Chief Credit Officer by providing proactive insight into developing risks, complex credits, and trends that may adversely impact portfolio performance * Support the ...

Bank of Ann Arbor

Credit Manager

Ann Arbor, MI · On-site

Serve as a trusted advisor to the Chief Credit Officer by providing proactive insight into developing risks, complex credits, and trends that may adversely impact portfolio performance * Support the ...

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All JobsCredit Officer JobsCredit Officer Jobs in Michigan

Credit Officer information

See Michigan salary details

$30.5K

$85.4K

$128.6K

How much do credit officer jobs pay per year?

As of Sep 2, 2026, the average yearly pay for credit officer in Michigan is $85,429.00, according to ZipRecruiter salary data. Most workers in this role earn between $68,000.00 and $105,000.00 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.
More about Credit Officer jobs

What are the most commonly searched types of Credit Officer jobs in Michigan?

The most popular types of Credit Officer jobs in Michigan are:

What are popular job titles related to Credit Officer jobs in Michigan?

For Credit Officer jobs in Michigan, the most frequently searched job titles are:

What job categories do people searching Credit Officer jobs in Michigan look for?

The top searched job categories for Credit Officer jobs in Michigan are:

What are popular job titles related to Credit Officer jobs in MI?

For Credit Officer jobs in MI, the most frequently searched job titles are:

Credit Officer jobs near you
Infographic showing various Credit Officer job openings in Michigan as of August 2026, with employment types broken down into 1% Internship, 81% Full Time, 16% Part Time, 1% Contract, and 1% Nights. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $85,429 per year, or $41.1 per hour.

Chief Credit Officer

ThinkingAhead

Kalamazoo, MI • Hybrid

$195K - $235K/yr

Full-time

Re-posted 2 days ago

Job description

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 Officer (CCO) to join its Executive Leadership Team.
 
This is an opportunity for an accomplished credit executive to shape enterprise-wide credit strategy, partner directly with the CEO and Board of Directors, and influence the future growth of a well-respected banking institution. The successful candidate will oversee all aspects of credit risk management, portfolio administration, asset quality, and underwriting across both commercial and retail lending.
 
The Bank is committed to responsible growth, strong asset quality, and relationship-driven banking. The Chief Credit Officer will play a key role in balancing growth objectives with prudent risk management while maintaining a strong credit culture throughout the organization.
 
Position Overview
The Chief Credit Officer serves as the Bank's senior credit executive and is responsible for the overall quality and performance of the loan portfolio. This individual provides leadership and oversight for credit administration, loan review, portfolio management, policy development, regulatory compliance, and problem loan management.
The CCO partners closely with executive leadership, lending teams, and the Board of Directors to support sound lending practices and sustainable growth.
Key Responsibilities
  • Lead the Bank's commercial and retail credit functions.
  • Oversee portfolio quality, risk grading, concentrations, policy exceptions, and asset quality trends.
  • Develop and maintain credit policies, underwriting standards, and credit administration practices.
  • Chair the Loan Committee and provide recommendations on significant credit relationships.
  • Direct the independent loan review process and oversee regulatory examination activities.
  • Lead problem loan identification, workout strategies, and criticized asset management.
  • Present portfolio performance, credit trends, and risk assessments to Executive Management and the Board.
  • Partner with commercial lending leadership to support profitable growth consistent with the Bank's risk appetite.
  • Monitor economic and market conditions and assess potential impacts on credit strategy.
  • Build, mentor, and develop a high-performing credit team.
Leadership Responsibilities
Direct oversight of:
  • Commercial Credit Manager
  • Loan Portfolio Manager
  • Commercial Processor Supervisor
  • Mortgage Underwriting Supervisor
QualificationsRequired
  • Bachelor's degree in Finance, Accounting, Business Administration, or related discipline.
  • 10+ years of progressive commercial credit, credit administration, and lending experience.
  • Demonstrated leadership experience managing credit teams and portfolio risk.
  • Strong understanding of regulatory expectations, underwriting practices, loan review, and portfolio management.
  • Excellent communication and executive presentation skills.
Preferred
  • Current or previous Chief Credit Officer, Senior Credit Officer, or equivalent executive-level credit leadership experience.
  • MBA, Graduate School of Banking, or other advanced banking education.
  • Experience within a community or regional banking environment.
Compensation & Benefits
  • Base Salary: $195,000-$235,000
  • Hybrid work arrangement
  • Comprehensive executive benefits package
  • Significant interaction with Executive Leadership and Board of Directors
  • Opportunity to influence strategic direction and long-term growth
Ideal Candidate
This role is well-suited for a seasoned Senior Credit Officer, Chief Credit Officer, or senior credit executive seeking a broader leadership platform and the opportunity to make a meaningful impact within a growing community banking organization.
 
Confidential inquiries are welcome.