This locally-owned and highly reputable community bank is seeking a strategic, analytical, and forward-thinking professional to serve as its next Credit Officer. This individual will be a key member of the leadership team, working closely with the CEO and overseeing the bank’s credit quality and credit culture. This position offers the opportunity to make a meaningful impact across commercial and agricultural lending operations, while helping to drive the long-term financial health of the institution.
Work model:
- On-Site
What you will do:
- Lead and manage all aspects of bank-wide credit policy and credit administration
- Serve as the primary decision-maker for complex credit matters, including loan approval within lending authority
- Develop, update, and oversee the implementation of the Bank’s Loan Policy and risk rating systems
- Monitor overall loan quality and compliance with internal policies and regulations
- Participate actively in the Loan Committee, ALCO, pricing, and strategic planning initiatives
- Serve as the key contact for internal/external auditors and regulatory examiners on all credit matters
- Supervise underwriting, loan operations, credit analysis, and loan workout functions
- Analyze and report on credit risk, portfolio concentration, watch list assets, and adequacy of loan loss reserves
- Coach and mentor lending staff, supporting a strong credit culture across the bank
- Oversee the liquidation of repossessed assets and Other Real Estate Owned (OREO)
- Promote process improvement and consistency across credit functions and branches
What you will need to be successful:
- 4+ years of progressive credit or lending experience (10+ years preferred, but not required)
- Background in commercial lending; ag lending exposure is a plus, but not required
- Strong knowledge of credit risk, underwriting, and regulatory standards
- Direct management experience is preferred but not required for the right candidate
- Bachelor’s degree in finance or related field; formal credit training is strongly preferred
- Strong analytical, leadership, and communication skills
- Ability to balance strategic thinking with hands-on execution
Benefits overview:
- Dental, health, and vision insurance
- 401k
- PTO
Interested and qualified candidates can contact Madison Kuhl at (319) 449-1200 or email Madison at mkuhl@thepalmergroup.com.
