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Director Credit Risk Jobs in Missouri (NOW HIRING)

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Director Credit Risk information

What are some common challenges faced by a Director of Credit Risk and how can they be addressed?

A Director of Credit Risk often faces challenges such as balancing risk appetite with business growth goals, staying ahead of evolving regulatory requirements, and managing credit exposures in volatile markets. To address these, it's essential to foster strong collaboration with business units, maintain robust credit risk frameworks, and leverage data analytics for proactive decision-making. Continuous professional development and close communication with compliance and audit teams also help ensure that credit policies remain effective and up-to-date.

What are the key skills and qualifications needed to thrive as a Director of Credit Risk, and why are they important?

To thrive as a Director of Credit Risk, you need deep expertise in credit analysis, risk management, and financial modeling, usually supported by a degree in finance, economics, or a related field. Familiarity with risk assessment software, credit scoring systems, and regulatory compliance tools, along with certifications like CFA or FRM, is highly valued. Strong leadership, strategic thinking, and communication skills help drive cross-functional collaboration and effective risk mitigation. These competencies are crucial for making informed credit decisions that protect the organization's financial health and comply with regulatory standards.

What does a Director of Credit Risk do?

A Director of Credit Risk is responsible for overseeing an organization’s credit risk management strategies and policies. They analyze credit data, assess potential risks in lending or credit activities, and work to minimize losses related to bad debts. This role often involves leading a team, setting risk tolerance levels, and ensuring compliance with regulatory requirements. Directors of Credit Risk also collaborate with other departments to align risk management with the company's overall business objectives.

What is the difference between Director Credit Risk vs Credit Analyst?

AspectDirector Credit RiskCredit Analyst
CredentialsBachelor's/Master's in Finance, Economics, or related; often requires experience in credit risk managementBachelor's degree in Finance, Economics, or related; entry-level to mid-level roles
Work EnvironmentStrategic, leadership-focused, overseeing credit risk policies and teamsAnalytical, research-focused, assessing individual credit applications and risk
Employer & Industry UsageFinancial institutions, banks, credit agenciesBanks, lending companies, credit bureaus

The main difference is that a Director Credit Risk leads and develops credit risk strategies at a high level, while a Credit Analyst focuses on evaluating individual credit applications and assessing risk at a more operational level. The Director role involves strategic oversight, whereas the Credit Analyst role is more analytical and detail-oriented.

What are the most commonly searched types of Credit Risk jobs in Missouri? The most popular types of Credit Risk jobs in Missouri are:
What are popular job titles related to Director Credit Risk jobs in Missouri? For Director Credit Risk jobs in Missouri, the most frequently searched job titles are:
What job categories do people searching Director Credit Risk jobs in Missouri look for? The top searched job categories for Director Credit Risk jobs in Missouri are:
What cities in Missouri are hiring for Director Credit Risk jobs? Cities in Missouri with the most Director Credit Risk job openings:
Director Credit Risk jobs near you
Commercial Lender

Commercial Lender

Investors Community Bank

Columbia, MO

Full-time

Medical, Dental, Vision, Life, Retirement

Posted 26 days ago

Job description

Be a Key Leader in Our Columbia Branch

Investors Community Bank is a relationship-driven community bank with a strong focus on business banking and commercial lending—while still offering the personal banking services our customers rely on. We're proud to serve our clients with expertise, integrity, and a deep commitment to local communities.

Lender / Senior Lender

Investors Community Bank is a relationship-driven community bank with a strong focus on business banking and commercial lending. We're seeking both experienced professionals and motivated developing talent to join our Lending team. This role is posted at both a Senior Lender and Lender level, with the specific title, responsibilities, and compensation commensurate with your experience.

Job Description

You will play a critical part in the bank's lending function, focusing on the credit analysis, underwriting, and portfolio management of commercial loans. You will work closely with the bank president to ensure growth is managed prudently.

  • Senior Lender: You will take a more strategic role, handling complex transactions, managing overall portfolio risk, and mentoring junior staff.
  • Lender: You will focus on the fundamental work of preparing credit analysis, financial statement spreading, and supporting the senior team.
Key Responsibilities

Responsibilities will be assigned based on the candidate's experience level:

Both Senior Lender / Lender:

  • Analyze commercial borrower financial statements, projections, and cash flow to assess credit risk.
  • Prepare detailed, well-supported credit analysis and underwriting memos for new and renewal loan requests.
  • Monitor existing loan portfolio performance, covenant compliance, and track required borrower financial reporting.
  • Collaborate on loan structure and due diligence.
  • Perform financial spreading and credit scoring functions for routine commercial credit reviews.
  • Assist in the preparation of loan documentation and ensure all credit file components are complete and accurate.
  • Gather and organize third-party reports (appraisals, environmental, etc.) required for underwriting.
  • Learn and adhere strictly to all regulatory compliance requirements and internal bank policies.

Senior Lender:

  • Underwrite complex and high-value commercial credit requests, including C&I, CRE, and specialized loans.
  • Serve as a resource and mentor for Junior Lenders and relationship staff on credit policy and loan structuring.
  • Assist the Chief Credit Officer in developing, documenting, and implementing credit policies and risk models.
  • Present credit recommendations and portfolio reviews to the bank's Loan Committee or executive team.
Qualifications

We are seeking candidates with relevant experience in a lending, underwriting, or credit analysis capacity within a banking environment.

  • Education: Bachelor's degree in Finance, Accounting, Economics, or a related field is required.
  • Experience:
    • Senior Lender: 5+ years of direct experience in commercial credit underwriting and portfolio management, with demonstrated experience in mentoring staff or managing complex transactions.
    • Lender: 1+ years of experience in a banking or financial analysis role, demonstrating a strong foundational knowledge of financial statement analysis and credit fundamentals.
  • Skills:
    • Expertise in financial analysis and cash flow modeling.
    • Exceptional written and verbal communication skills for clear report writing and presentations.
    • Thorough understanding of regulatory compliance and risk management principles in commercial lending.
    • Ability to work effectively in a team environment while also managing individual workload priorities.

Compensation

  • Competitive base salary plus unlimited incentive potential
Benefits Offered (Full-time employees)
  • Health Coverage: Comprehensive medical, dental, and vision plans. Also offers a Health Payment Account (HPA).
  • Retirement: Safe Harbor 401(k) plan with a dedicated wealth advisor.
  • Wellness/Ancillary: Includes supplemental benefits including Accident, Critical Illness, Short-Term Disability and employer-paid Life Insurance.