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Senior Credit Officer Jobs (NOW HIRING)

WESTAMERICA BANK

Senior Credit Officer

Fresno, CA · On-site

$70K - $89K/yr

Deals with loans and credit lines, including collection and analysis of financial and related data ... Manages assigned loan portfolio through active support of the Financial Sales Officer who provides ...

Westamerica Bank

Senior Credit Officer

Fresno, CA · On-site

$70K - $89K/yr

Deals with loans and credit lines, including collection and analysis of financial and related data ... Manages assigned loan portfolio through active support of the Financial Sales Officer who provides ...

First Bank

Credit Analyst II

Miami, FL · On-site

$60 - $80/hr

Commercial Credit Analyst II Job Summary Responsible for working with the Senior Credit Officer primarily on credit analysis and underwriting of the following loans: Multifamily, Commercial Real ...

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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 Sep 5, 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 a senior credit officer?

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 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.

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.

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 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.

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Senior Credit Officer jobs near you
Infographic showing various Senior 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 $108,398 per year, or $52.1 per hour.

Senior Credit Officer

WESTAMERICA BANK

Fresno, CA • On-site

$70K - $89K/yr

Full-time

Re-posted 19 days ago

Westamerica Bank rating

7.6

Company rating: 7.6 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

99th of 175 rated banks

Job description

Description

Westamerica is among the largest commercial banks headquartered in California. We are looking for outstanding people to join our winning team. We reached our current strength because our employees, customers, and shareholders believe in the same fundamental goals: Delivering a wide variety of financial services with a superior customer service guarantee. 


JOB SUMMARY:

Under General Managerial Guidance: Reviews and approves loan requests for multi-line products within established lending limits. Deals with loans and credit lines, including collection and analysis of financial and related data to determine general credit worthiness of the prospect and the merits of the loan requests.

ESSENTIAL FUNCTIONS:

  • Review request for establishment of loans and credits lines, collects and analyzes financial and related information. Emphasis in Agricultural Lending to individuals, partnerships and corporations. Determines the general credit worthiness of the prospect and the merits of the loan request. Must have demonstrated ability to analyze and underwrite complex agricultural lines, term loans and real estate loans.
  • Prepares factual summary related to applicant's credit worthiness. Approves or declines loans with terms within their established lending limits. Prepares recommendations for loan amounts above identified credit authority.
  • Investigate all available sources of credit and financial information
  • Drafts CLD - 50 loan reports with supporting schedule, prepares, order to draw documents.
  • Manages assigned loan portfolio through active support of the Financial Sales Officer who provides client services to customers.
  • Participates in special projects and performs other job-related duties as required.

EOE

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