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Credit Officer Jobs (NOW HIRING)

Community Bank

Credit Officer II

Santa Fe Springs, CA

$87.61K - $124.85K/yr

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

Community Bank

Credit Officer III

Burbank, CA

$104.06K - $150.89K/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. Summary The Credit Officer III has prior ...

Five Star Bank

Commercial Credit Officer

Rochester, NY · Hybrid

The Credit Officer 's responsibility is to review all new loan requests and expedite the decision and structure of these requests, facilitating these actions using individually assigned lending ...

Hilltop Holdings

Regional Credit Officer

Fort Worth, TX · On-site

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy.

New Horizon Bank N.A

Credit Officer

Richmond, VA

Credit Officer New Horizon Bank is not just another bank; it is a dynamic, forward-thinking financial institution committed to redefining the banking relationship through our relentless pursuit of ...

Mid Penn Bancorp

Senior Credit Officer

Bristol, PA

Senior Credit Officer A great banking experience starts with a great team! Mid Penn Bank is actively seeking a Senior Credit Officer to join our team. We believe that our ongoing success depends upon ...

Choice Bank

Credit Officer

Golden Valley, MN · On-site

$65.47K - $131.59K/yr

The Credit Officer is knowledgeable in the bank's policies and procedures to ensure that loans are adhering to guidelines. Other responsibilities include coaching and guidance to other credit ...

Choice Bank

Credit Officer

Golden Valley, MN

$65.47K - $131.59K/yr

The Credit Officer is knowledgeable in the bank's policies and procedures to ensure that loans are adhering to guidelines. Other responsibilities include coaching and guidance to other credit ...

Insperity

Senior Credit Officer

Arlington, TX · On-site

$148.94K - $230.93K/yr

General information Client / Corporate Client Work Mode In-Office Name Senior Credit Officer Job ID 21858 City Arlington Published date 18-May-2026 State Texas Country United States Description ...

Bank of America

Credit Officer II

Boston, MA

Credit Officer II Boston, Massachusetts To proceed with your application, you must be at least 18 years of age. Acknowledge ( Bank of America employees are required to meet all posting eligibility ...

Choice Bank

Credit Officer

Minneapolis, MN

The Credit Officer is knowledgeable in the bank's policies and procedures to ensure that loans are adhering to guidelines. Other responsibilities include coaching and guidance to other credit ...

Choice Bank

Credit Officer

Minneapolis, MN · On-site

$65.47K - $131.59K/yr

The Credit Officer is responsible for underwriting high-dollar, complex credit opportunities and provides independent recommendations of the loan structure and ongoing monitoring of these ...

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$98K

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How much do credit officer jobs pay per year?

As of May 30, 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 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 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 cities are hiring for Credit Officer jobs? Cities with the most Credit Officer job openings:
What are the most commonly searched types of Credit Officer jobs? The most popular types of Credit Officer jobs are:
Who are the top companies hiring for Credit Officer jobs? The top employers for Credit Officer jobs are:
What states have the most Credit Officer jobs? States with the most job openings for Credit Officer jobs include:
What are popular job titles related to Credit Officer jobs? For Credit Officer jobs, the most frequently searched job titles are:
Credit Officer jobs near you

Credit Officer II

Community Bank

Santa Fe Springs, CA

$87.61K - $124.85K/yr

Other

Posted 22 days ago

Job description

Credit Officer II

The Credit Officer II 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 and individuals. Based on the credit request and analysis of the business or individual, the Credit Officer provides the bank with an accurate, clear and concise written credit request (report of Credit Extended- RCE). The Credit Officer II will work with a range of credits from the most basic, to the moderately complex. May assist and train junior credit officers/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.

Essential duties and responsibilities include the following:

  • Complies with and stays abreast of all policies and procedures, federal and state laws applicable to the job.
  • Provide, present and promote The Citizens Experience to all external and internal customers.
  • Review credit request/file for completeness.
  • Spread financial statement and/or tax returns.
  • Evaluate a credit request and formulate questions, if necessary to complete Report of Credit Extended (RCE).
  • Prepare an accurate, clear and concise RCE.
  • If credit request does not fit within the bank's standard lending policy and procedures, refer to other bank departments.
  • Discuss credit requests with branch personnel and Credit Management Division.
  • Assist and/or train junior credit officer/trainees to obtain/increase the understanding of the credit analysis process and improve credit skills.
  • Other duties may be assigned.

This job has no supervisory responsibilities.

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education and/or experience: Bachelor's degree (B.A) from four year college or university; a minimum of five years related experience and/or training; or equivalent combination of education and experience.

Language skills: Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.

Mathematical skills: Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning ability: Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving several concrete variables in standardized situations.

Physical demands: While performing the duties of this job, the associate is regularly required to sit and talk or hear. The associate frequently is required to use hands to finger, handle, or feel. The associate is occasionally required to walk and reach with hands and arms. The associate must occasionally lift and/or move up to 10 pounds. Specific vision abilities required by this job include close vision.

Work environment: The noise level in the work environment is usually moderate.

Salary Range: $87,612.00 To $124,846.00

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

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