Senior Credit Officer

Georgia's Own Credit Union

. Lead commercial credit risk management across the commercial lending portfolio in accordance with enterprise credit strategy, risk appetite, policy, and regulatory expectations .

Posted 11/5/2026full-timeGeorgia • United StatesSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in commercial credit risk management, underwriting, and portfolio management, with a strong focus on regulatory compliance and credit approval processes. Proven ability to lead teams, develop talent, and provide strategic insights into credit risk across commercial lending portfolios.

Highest-signal resume keywords

Commercial Credit Risk ManagementUnderwriting and Portfolio ManagementCredit Analysis and ApprovalRegulatory ComplianceLeadership in Banking

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Commercial Credit ApprovalRisk Ratings ManagementCredit Frameworks and PoliciesQuantitative Tools and ModelsCredit Concentrations ManagementFinancial AnalysisBanking Products KnowledgeNegotiation SkillsDecision-Making SkillsAnalytical Skills

Soft Skills

Interpersonal CommunicationInfluencing SkillsProblem SolvingTeam LeadershipNegotiation Skills

Tools & Technologies

Microsoft OfficeExcelWindows-Based Applications

Certifications & Qualifications

SAFE Act ComplianceNMLS Registration

Industry Keywords

Commercial LendingBankingFinancial InstitutionsCredit UnionsLoan DocumentationReal EstateC&I BusinessesCredit Risk ManagementPortfolio ManagementCredit Policies

About the role

Key responsibilities & impact

Lead commercial credit risk management across the commercial lending portfolio in accordance with enterprise credit strategy, risk appetite, policy, and regulatory expectations
Provide senior leadership to the Director of Underwriting and Director of Portfolio Management
Coordinate underwriting, portfolio management, and credit analysis
Oversee commercial underwriting, credit analysis, risk rating, and portfolio management quality, consistency, and timeliness
Exercise commercial credit approval authority within delegated limits
Provide senior credit judgment on complex, material, or higher-risk credit requests
Monitor and actively manage portfolio concentrations, criticized and classified assets, covenant performance, risk rating migration, emerging risks, and action plans
Support the Chief Credit Officer with portfolio risk reporting, analysis, and escalation of material trends or concerns
Partner with Portfolio Management leadership on forward-looking portfolio intelligence and management of deteriorating or higher-risk relationships
Lead or materially support regulatory examinations, internal audit, loan review, and other independent reviews
Support development, review, and implementation of commercial credit policies, underwriting standards, approval authorities, and credit procedures
Serve as senior commercial credit resource to lending leadership and relationship teams
Support enterprise credit initiatives affecting commercial lending, including governance, data and reporting improvements, process changes, and credit risk projects
Develop commercial credit talent and succession depth across underwriting, portfolio management, and credit analysis
Represent commercial credit in senior leadership, credit, and governance forums
Act on behalf of the Chief Credit Officer on commercial credit matters when delegated

Requirements

What you’ll need

Bachelor’s degree in business administration, Finance, Accounting, Statistics, or related field required
15+ years of banking or financial industry experience
15+ years’ experience in credit, with emphasis in commercial and business lending activities required
Thorough knowledge of single-family residential, consumer, and commercial banking products and processes, vendor relationships, and accounting principles
Proficiency in Windows-based applications and related computer skills
Knowledge of current laws and regulations governing financial institutions, including credit unions, loan documentation requirements, and applicable investment restrictions
Excellent written, verbal, and interpersonal communication skills
Ability to negotiate and influence colleagues outside the direct reporting structure
Extensive, progressively responsible experience in commercial credit, underwriting, and portfolio management within banks or credit unions, including substantial leadership responsibility
Demonstrated experience in commercial credit approval, risk ratings, management of criticized and classified assets, credit concentrations, and regulatory expectations for credit risk management
Strong experience and skill in all facets of commercial credit risk, including credit frameworks and policies, complex credit transactions, quantitative tools, and models
Experience across a wide range of real estate and C&I businesses
Ability to work in a fast pace and high-pressure financial industry environment
Strong problem solving, analytical, and decision-making skills
Proficient in Microsoft Office; Excel experience required
Strong interpersonal, negotiation and communication skills
Must comply with SAFE Act requirements and keep NMLS registration pertaining to the SAFE Act current
Ability to communicate face to face or through technology, with or without reasonable accommodation
Ability to sit and stand for various increments of time and lift/push up to 10 lbs.

Benefits

Comp & perks

Flexible hybrid work arrangement balancing in-office collaboration with remote work
Necessary tools and technology for productivity from home or office
Equal opportunity employment
Reasonable accommodations for individuals with disabilities