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.