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Credit Operation Officer Jobs (NOW HIRING)

Flagstar Bank

## Credit Officer - Equipment FinanceApplylocations: Work From Home United Statestime type: Full ... operations and project conditions. • Contribute to the development and monitoring of key risk ...

Flagstar Bank

Credit Officer - Equipment Finance

Position Title Credit Officer - Equipment Finance Location Nationwide, MI 48098 Job Summary The ... operations and project conditions. • Contribute to the development and monitoring of key risk ...

S&T Bancorp

Secured Credit Officer I

Pittsburgh, PA · On-site

... operations. Ensures the timely processing of draw requests, monitors collateral positions ... Credit Officer. Participates in joint phone calls, Teams meetings or on-site visits with the ...

Flagstar Bank

Credit Officer - Equipment Finance

Position Title Credit Officer - Equipment Finance Location Nationwide, MI 48098 Job Summary The ... operations and project conditions. • Contribute to the development and monitoring of key risk ...

S and T Bank

Secured Credit Officer I

Indiana, PA · On-site

... operations. Ensures the timely processing of draw requests, monitors collateral positions ... Credit Officer. Participates in joint phone calls, Teams meetings or on-site visits with the ...

S and T Bank

Secured Credit Officer I

Indiana, PA · On-site

... operations. Ensures the timely processing of draw requests, monitors collateral positions ... Credit Officer. Participates in joint phone calls, Teams meetings or on-site visits with the ...

Stbancorp

... operations. Ensures the timely processing of draw requests, monitors collateral positions ... Credit Officer. Participates in joint phone calls, Teams meetings or on-site visits with the ...

S&T Bancorp

Secured Credit Officer I

Indiana, PA · On-site

... operations. Ensures the timely processing of draw requests, monitors collateral positions ... Credit Officer. Participates in joint phone calls, Teams meetings or on-site visits with the ...

Climate First Bank

Chief Credit Officer

Orlando, FL

Chief Credit Officer (CCO) We're seeking a Chief Credit Officer to be responsible for overseeing the credit risk management and lending operations of the bank. You'll ensure that the bank's credit ...

Berkshire Bank

Credit Manager

Manhattan, NY · On-site

$80K - $147K/yr

EF - Operations Officer: AVP Reports to: Chief Operating Officer Status: Exempt Grade: 12 Pay Range ... The Credit Manager is responsible for leading and managing the Credit function, including oversight ...

Berkshire Bank

Credit Manager

Manhattan, NY · On-site

$80K - $147K/yr

EF - Operations Officer: AVP Reports to: Chief Operating Officer Status: Exempt Grade: 12 Pay Range ... The Credit Manager is responsible for leading and managing the Credit function, including oversight ...

Berkshire Bank

Credit Manager

Manhattan, NY · On-site

$80K - $147K/yr

EF - Operations Officer: AVP Reports to: Chief Operating Officer Status: Exempt Grade: 12 Pay Range ... The Credit Manager is responsible for leading and managing the Credit function, including oversight ...

Bank of America

Credit Officer II - Energy

Houston, TX · On-site

Key responsibilities include underwriting, monitoring, managing operational needs and/or client ... Credit Officer evaluates large and sophisticated credit exposures across oil & gas, midstream ...

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Credit Operation Officer information

See salary details

$35K

$98K

$147.5K

How much do credit operation officer jobs pay per year?

As of Sep 12, 2026, the average yearly pay for credit operation 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 the difference between Credit Operation Officer vs Credit Analyst?

AspectCredit Operation OfficerCredit Analyst
Primary RoleManages daily credit processing, loan disbursements, and account maintenanceEvaluates credit data, analyzes financial statements, and assesses credit risk
Required CredentialsTypically requires a bachelor's degree in finance, banking, or related fields; certifications like CFA or credit-specific courses are a plusRequires a bachelor's degree in finance, economics, or related fields; often holds certifications like CFA or credit analysis courses
Work EnvironmentBank branches, financial institutions, credit departmentsFinancial institutions, credit bureaus, investment firms

While both roles involve working with credit, the Credit Operation Officer focuses on processing and managing credit transactions, whereas the Credit Analyst specializes in evaluating creditworthiness and risk assessment. Understanding these differences helps in choosing the right career path or job search focus within the credit industry.

Is a credit operation officer a stressful job?

A credit operation officer's job can be stressful due to the need to meet strict deadlines, ensure accuracy in financial data, and handle complex credit assessments. The role often requires attention to detail, strong organizational skills, and the ability to work under pressure in a fast-paced environment.

What is the role of a credit operation officer?

A credit operation officer is responsible for managing and processing credit applications, assessing creditworthiness, and ensuring compliance with lending policies. They often use financial analysis tools and maintain accurate records to support credit decisions and minimize risk within financial institutions.

What states have the most Credit Operation Officer jobs?

States with the most job openings for Credit Operation Officer jobs include:

What are popular job titles related to Credit Operation Officer jobs?

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

Vice President, Credit Officer

Muscatine, IA • On-site

Weitz and Luxenberg PC
See more jobs at Weitz and Luxenberg PCexternal

$100K - $125K/yr

Full-time

Posted 29 days ago

Job description

Position Summary
The Vice President, Credit Officer plays a critical leadership role in supporting the Senior Vice President, Chief Credit Officer in managing commercial credit underwriting and lending operations. This position is responsible for evaluating complex credit relationships, maintaining strong credit quality standards, and ensuring compliance with internal policies and regulatory requirements. The Credit Officer partners closely with commercial lenders to structure sound lending solutions that meet customer needs while protecting the bank's asset quality and long-term profitability. This role also serves as a trusted advisor and mentor to lending and credit teams, helping foster a strong credit culture across the organization.
This position offers a unique opportunity for an experienced credit professional who is interested in making a broader organizational impact and pursuing future leadership growth within the bank. We are seeking a candidate with the capability, initiative, and desire to assume increasing responsibilities and contribute to the long-term success of the organization.
Location
Based in Muscatine, Iowa, or with the ability to work from the Muscatine, Iowa office 2-3 days per week with travel throughout the bank's footprint as needed.
Key Responsibilities
Credit Approval
  • Review, analyze, and vote on complex commercial lending requests involving Commercial Real Estate (CRE), Commercial & Industrial (C&I), and Agricultural (AG) credits.
  • Participate in credit approval and voting processes for loans exceeding individual lender authorities.

Credit Risk Assessment
  • Analyze financial statements, tax returns, cash flow projections, debt service coverage, collateral valuations, and industry trends.
  • Identify potential credit risks and recommend appropriate mitigating strategies.

Deal Structuring
  • Collaborate with commercial lenders to structure credit facilities that support customer objectives while maintaining acceptable risk parameters.
  • Establish loan covenants, collateral requirements, and other credit protections.

Policy and Regulatory Compliance
  • Ensure all underwriting and credit decisions adhere to bank policies, regulatory requirements, and safe and sound banking practices.
  • Maintain strong knowledge of applicable banking regulations and industry standards.

Portfolio Management
  • Monitor portfolio quality and identify trends related to credit migration and emerging risks.
  • Review annual loan renewals and ongoing borrower performance.
  • Oversee financial covenant compliance and exception tracking.

Leadership & Mentorship
  • Guide commercial lenders and credit analysts on underwriting best practices, credit philosophy, and risk management.
  • Support the professional development of junior credit team members.
  • Foster collaboration and consistency across lending and credit functions.

Credit Committee Participation
  • Prepare and present complex credit relationships for Executive Credit Committee review.
  • Participate in discussions and recommendations regarding large or high-risk credit exposures.
  • Provide thoughtful analysis and recommendations to senior leadership.

Requirements
Education and Experience
  • Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related field.
  • Minimum of seven (7) years of experience in commercial credit underwriting, commercial lending, loan review, or a related banking function.
  • Technical Expertise: advanced knowledge of Commercial and Agricultural cash flow analysis, global cash flow analysis, commercial credit underwriting, collateral valuation methodologies, financial statement analysis
  • Regulatory Knowledge: strong understanding of federal and state banking regulations, including: lending limits, Insider lending (Regulation O), BSA/AML guidance, and other applicable banking regulations and compliance requirements
  • Communication & Leadership: exceptional written and verbal communication skills for presenting complex financial risks clearly to executive leadership.
  • Flexibility: Ability and willingness to travel within the bank's lending territory and to regional and national peer meetings and conferences as assigned.

Preferred Qualifications
  • Completion of a formal commercial banking credit training program.
  • Experience with commercial loan origination and underwriting platforms.
  • Experience using nCino or similar credit underwriting software.

Salary Description
$100,000 - $125,000

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