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Senior Credit Officer Jobs (NOW HIRING)

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · Hybrid

$195K - $235K/yr

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 ...

ThinkingAhead

Chief Credit Officer

Kalamazoo, MI · On-site

$195K - $235K/yr

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 ...

River Run Services LLC

Senior Credit Officer

Haverhill, MA · On-site

$83K - $121K/yr

Job Summary The Senior Credit Officer provides oversight and reporting in support of the company's credit activities and serves as a Bank Credit Signer for an affiliated bank. This role also prepares ...

Banesco USA

SVP, SBA Senior Credit Officer

Miami, FL · On-site

The SBA Senior Credit Officer is responsible for the credit quality of the bank's SBA 7a loan portfolio. This role oversees the entire credit life cycle, ensuring that underwriting, portfolio ...

ING Group

Director, Senior Credit Officer

New York, NY · On-site

Transaction Approval & Advice | Director, Senior Credit Officer | New York About ING : In Americas, ING's Wholesale Banking division offers a broad range of innovative financial products and services ...

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Senior Credit Officer information

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$47.5K

$108.4K

$184K

How much do senior credit officer jobs pay per year?

As of Jul 20, 2026, the average yearly pay for senior credit officer in the United States is $108,398.00, according to ZipRecruiter salary data. Most workers in this role earn between $71,500.00 and $150,000.00 per year, depending on experience, location, and employer.

What is the difference between Senior Credit Officer vs Credit Analyst?

AspectSenior Credit OfficerCredit Analyst
Required CredentialsBachelor's degree, often with experience in credit risk or financeBachelor's degree in finance, economics, or related field; certifications like CFA are a plus
Work EnvironmentFinancial institutions, banks, or lending companiesBanking, investment firms, or credit departments within corporations
Employer & Industry UsageUsed in banking and lending sectors for overseeing credit processesCommonly used in credit analysis, risk assessment, and loan evaluation

The main difference is that a Senior Credit Officer oversees credit policies and manages credit risk at a higher level, while a Credit Analyst focuses on evaluating individual credit applications and analyzing financial data. Both roles require strong analytical skills and financial knowledge, but the Senior Credit Officer typically has more experience and responsibilities related to credit strategy and decision-making.

What does a senior Credit Officer do?

A senior Credit Officer evaluates and approves credit applications, assesses the creditworthiness of individuals or businesses, and manages credit risk. They analyze financial statements, credit reports, and market conditions, often using specialized software, to make informed lending decisions and ensure compliance with company policies.

How does a Senior Credit Officer typically collaborate with other departments to manage credit risk effectively?

A Senior Credit Officer works closely with various departments such as risk management, sales, and underwriting to ensure that credit policies are consistently applied and risks are appropriately assessed. They often participate in cross-functional meetings to review large or complex credit applications and provide guidance on structuring deals to mitigate risk. Collaboration with legal and compliance teams is also common to ensure regulatory adherence. This teamwork helps maintain a balanced portfolio and supports informed, strategic lending decisions.

What are Senior Credit Officers?

Senior Credit Officers are experienced professionals responsible for overseeing the credit granting process in financial institutions. They evaluate, authorize, or recommend approval of loan applications and credit extensions, ensuring compliance with regulations and company policies. Their role involves assessing creditworthiness, managing credit risk, and establishing lending guidelines. Senior Credit Officers frequently lead credit teams, mentor junior staff, and play a key role in shaping a bank’s credit strategy.

What is the highest paying job in credit?

The highest paying roles in credit typically include Chief Credit Officer and Credit Director, who oversee credit risk management and strategy at senior levels. These positions often require extensive experience, advanced certifications, and leadership skills, and they can earn six-figure salaries depending on the organization and location.

What are the key skills and qualifications needed to thrive as a Senior Credit Officer, and why are they important?

To thrive as a Senior Credit Officer, you need advanced knowledge of credit analysis, risk assessment, and portfolio management, often supported by a degree in finance or accounting and significant banking experience. Proficiency with credit rating systems, financial modeling tools, and regulatory compliance software is typically required. Strong decision-making, negotiation, and communication skills are essential for effectively managing client relationships and leading credit teams. These skills and qualifications are crucial for minimizing financial risks and ensuring sound lending decisions within financial institutions.

What jobs make $1,000,000 a year?

Senior Credit Officers in investment banking, private equity, or hedge funds can earn $1,000,000 or more annually through base salary, bonuses, and incentives. High-level executive roles in finance, such as Chief Financial Officers or Managing Directors, also have the potential to reach this income level, especially with extensive experience and performance-based compensation. These roles typically require advanced degrees, certifications, and significant industry expertise.

What does a chief credit officer make?

A senior credit officer typically earns between $70,000 and $120,000 annually, depending on experience, location, and the size of the organization. Compensation may include bonuses and benefits, especially in larger financial institutions. Salary levels for senior credit officers are influenced by industry standards and professional certifications such as CFA or credit-specific training.

What Does a Senior Credit Officer Do?

As a senior credit officer, you provide support, direction, and loan policies to ensure a bank, credit union, or another financial institution maintains a quality credit extension. Your primary responsibilities include reviewing and assessing credit applications to analyze each client’s finances, credit, and collateral. You also validate any credit analysis prepared by a credit analyst, ensure all necessary documentation is completed correctly, and manage account exposure each month, quarter, and year. Other duties may include interviewing customers to learn about their financial situation and presenting features of products and services that fit their needs.

More about Senior Credit Officer jobs
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What are the most commonly searched types of Credit Officer jobs? The most popular types of Credit Officer jobs are:
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Senior Credit Officer jobs near you
Infographic showing various Senior Credit Officer job openings in the United States as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $108,398 per year, or $52.1 per hour.
Chief Credit Officer

Chief Credit Officer

ThinkingAhead

Kalamazoo, MI • Hybrid

$195K - $235K/yr

Full-time

Posted 17 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.