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Credit Officer Jobs (NOW HIRING)

gpac

Senior Credit Officer

Rockford, MN · On-site

Senior Credit Officer Community Bank | Confidential Search Position Overview A well-capitalized, relationship-driven community bank is seeking a Senior Credit Officer to provide hands-on leadership ...

New

Fidelity Bank

Credit Officer

Atlanta, GA · On-site

The Credit Officer (CO) is to be the primary Credit Approver for business and consumer loans for the bank. The CO exercises this authority within approval limits as delegated by senior management.

TRUSTBANK

AVP/Senior Credit Officer

Olney, IL

$115K - $125K/yr

AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS: EXEMPT TYPE OF POSITION: FULL-TIME JOB SUMMARY The Senior Credit Officer serves as a key leader within ...

Third Coast Bank

Regional Credit Officer

Austin, TX · On-site

$125 - $150/hr

Regional Credit Officer Full Time Sr. Mgrs/Directors Austin, TX, US 5 days ago Requisition ID: 1467 The Regional Credit Officer (RCO) serves as the senior credit executive for an assigned market or ...

The Citizens Bank

Regional Credit Officer

Hattiesburg, MS · On-site

$100 - $125/hr

Regional Credit Officer * Reporting To: Chief Credit Officer * Location: Hattiesburg/Pascagoula About the Position An internal partner who monitors the flow of credit requests within an assigned ...

Tnbankers

2605-3 Credit Admin Officer

Chattanooga, TN · On-site

$60 - $80/hr

The Credit Administration Officer is responsible for overseeing the integrity and accuracy of the bank's credit administration processes and for managing the bank's Clear-to-Close program. This dual ...

TrustBank

AVP/Senior Credit Officer

Olney, IL · On-site

$115K - $125K/yr

AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS: EXEMPT TYPE OF POSITION: FULL-TIME JOB SUMMARY The Senior Credit Officer serves as a key leader within ...

TrustBank

AVP/Senior Credit Officer

Olney, IL · On-site

Senior Credit Officer TrustBank is seeking an accomplished Senior Credit Officer to serve as a strategic leader within our organization and a trusted partner to the Chief Credit Officer. This ...

Hilltop Holdings

Regional Credit Officer

Houston, 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.

TrustBank

AVP/Senior Credit Officer

Olney, IL · On-site

$115K - $125K/yr

AVP/SENIOR CREDIT OFFICER DEPARTMENT: CREDIT REPORTS TO: VP/CHIEF CREDIT OFFICER FLSA STATUS: EXEMPT TYPE OF POSITION: FULL-TIME JOB SUMMARY The Senior Credit Officer serves as a key leader within ...

THIRD COAST BANK

Regional Credit Officer

Dallas, 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 ...

Dahl Consulting

Credit Officer II

Fargo, ND · On-site

$72K - $100K/yr

Credit Officer Location : Fargo, ND (Grand Forks also an option) Job Type : Permanent/Direct-Hire Compensation : $72,500-100,000 Industry: Banking & Financial Services --- About the Role Our firm is ...

Symicor Group

Sr. Credit Officer

Brentwood, TN · On-site

$270K/yr

Sr. Credit Officer Our bank client seeks to fill a Sr. Credit Officer role in the Brentwood, TN area. The selected candidate will be responsible for managing the credit analysis and administration ...

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 ...

Bankers Trust

Credit Officer I or II

Des Moines, IA · On-site

$102K - $121K/yr

Credit Officer I Or II There are important qualities you look for in an employer - meaningful work, community engagement, competitive benefits, commitment to employee development, and so many more.

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 ...

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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 - Branch Placement Varies

Farm Credit Services

Little Rock, AR • On-site

$60 - $80/hr

Other

Posted 7 days ago

Job description

Credit Officer – Branch Placement Varies MAJOR RESPONSIBILITIES AND DESIRED QUALIFICATIONS

The Credit Officer works with experienced Credit Department staff to gain the knowledge and skills to underwrite credit. Completes credit analysis in conjunction with other staff and prepares recommendations for the approving loan officer or loan committee.

  • Develops foundational credit underwriting skills to independently assess basic credits using sound judgment and credit administration practices.
  • Gains familiarity with credit processes, procedures, and related technology.
  • Learns borrower eligibility and regulatory compliance fundamentals.
  • Reviews financials (balance sheets, tax returns, cash flow, credit reports) to:
  • Project long-term profitability using historical data and ag trends
  • Participates in Loan Committee discussions and voting.
REQUIRED KNOWLEDGE AND EXPERIENCE

Bachelor’s degree in business administration, agricultural economics, accounting, economics, finance, or related field required. Ideal candidates must be highly motivated with strong communication skills, both written and verbal. Other strong skills required are interpersonal relationship skills, analytical skills, and the ability to work individually and as a team player.

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