TrustBank is seeking an accomplished Senior Credit Officer to serve as a strategic leader within our organization and a trusted partner to the Chief Credit Officer. This individual will lead the credit analyst function, provide expert guidance on complex lending relationships, and help build the processes, talent, and infrastructure necessary to support a growing and evolving Credit Department. Ideal candidates will possess exceptional commercial credit skills, strong leadership capabilities, and a desire to influence the future direction of credit administration and management within a relationship-focused community bank.

JOB DESCRIPTION

JOB TITLE: AVP/SENIOR CREDIT OFFICER

DEPARTMENT: CREDIT

REPORTS TO: VP/CHIEF CREDIT OFFICER

FLSA STATUS: EXEMPT

TYPE OF POSITION: FULL-TIME

JOB SUMMARY

The Senior Credit Officer serves as a key leader within the Credit Department and is a strategic partner to the Chief Credit Officer. This role is responsible for overseeing the credit analyst function, ensuring high-quality underwriting and risk assessment practices, and supporting the continued development of the Bank's credit risk framework. The position plays an integral role in building a scalable, high-performing Credit Department through talent development, process improvement, and effective risk management.

The Senior Credit Officer independently evaluates complex lending relationships, provides recommendations regarding credit quality and risk ratings, and collaborates with lending teams to support sound credit decisions that align with the Bank's risk appetite and growth objectives.

PRIMARY DUTIES AND RESPONSIBILITIES

(Other duties may be assigned.)

Credit Risk Management

• Analyze complex commercial, agricultural, consumer, and real estate lending relationships to evaluate overall credit quality and repayment capacity.

• Review financial statements, tax returns, collateral documentation, appraisals, and market data to identify risks and opportunities.

• Prepare comprehensive credit presentations that support informed lending decisions.

• Recommend risk ratings in accordance with Loan Policy and established credit grading standards.

• Identify emerging portfolio risks and recommend appropriate mitigation strategies.

• Participate as a non-voting member of Loan Committee meetings.

• Oversee the annual loan review, appraisal and environmental review, and loan reporting programs and initiatives.

Team Leadership

• Lead, mentor, and develop the credit analyst team to promote consistent, high-quality underwriting and professional growth.

• Manage departmental workflow, establish priorities, and allocate resources to ensure timely completion of credit requests.

• Partner with the Chief Credit Officer in performance management, talent acquisition, succession planning, and staff development initiatives.

Department Development and Strategic Initiatives

• Partner with the Chief Credit Officer and senior management to strengthen and expand the Bank's Credit Department.

• Develop and enhance operating procedures, quality control practices, and reporting processes.

• Lead initiatives that improve efficiency, consistency, scalability, and effectiveness within the credit review process.

• Assist in establishing departmental goals, performance metrics, and service standards.

• Evaluate and leverage technology, data analytics, automation, and authorized artificial intelligence tools to improve underwriting efficiency and risk monitoring while maintaining sound credit judgment and regulatory compliance.

Collaboration and Compliance

• Build effective partnerships with loan officers, lenders, credit analysts, auditors, loan review personnel, and senior management.

• Support annual loan review activities and regulatory examination preparation as needed.

• Ensure adherence to internal policies, lending regulations, and risk management standards.

• Recognize and appropriately escalate suspicious or unusual activities in accordance with Bank compliance requirements.

• Complete special projects and other assignments as requested by senior management.

TRAITS/CHARACTERISTICS OF A SUCCESSFUL SENIOR CREDIT OFFICER

• Serves as a trusted advisor and collaborative partner.

• Demonstrates strong leadership presence and accountability.

• Strategic thinker who balances growth objectives with prudent risk management.

• Builder mindset with the ability to create structure, improve processes, and drive organizational effectiveness.

• Embraces innovation and continuous improvement.

• Exercises sound judgment in complex or ambiguous situations.

• Maintains a high level of professionalism, integrity, and confidentiality.

• Adaptable and resilient in a fast-paced environment.

• Naturally curious and committed to ongoing learning and development.

Leadership and Business Skills

• Strong organizational and project management abilities.

• Ability to manage competing priorities and meet critical deadlines.

• Effective written, verbal, and presentation communication skills.

• Strong relationship-building and stakeholder management skills.

• Ability to influence outcomes and drive process improvements across multiple departments.

WORKING CONDITIONS AND ESSENTIAL FUNCTIONS

The position is Monday through Friday, typically from 8 AM – 5 PM and is a minimum of forty hours a week, but longer hours may be needed to meet the demands of the job. After six months, the Bank may consider a limited remote hybrid work schedule based on the needs of the Bank and the Credit team. There is a well-lit office environment, and the noise level is usually moderate. The duties of the job may require the employee to stand, walk, use hands, and feel objects, tools, or controls, reach with hands, arms, and talk, or hear. Ability to lift 25 pounds. Vision abilities include close vision, distance vision, peripheral vision, depth perception and the ability to focus. Ability to travel via air, rail, automobile and/or bus (if position requires travel).

COMPENSATION AND BENEFITS

Total compensation for this position is $115,000 - $125,000. TrustBank provides a generous benefits offering, with details on our bank’s website: https://trustbank.net/company/career-opportunities

TRUSTBANK CORE VALUES

Embrace and promote the TrustBank Culture and Core Values in all aspects of your duties. Strictly manage and protect sensitive information to which you are entrusted.

DISCLOSURES

TrustBank recognizes that people are our bank’s strength, and we place a high value on diversity and inclusion. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs. The best talent will acquire the position. Equal Opportunity Employer/Disability/Veterans. This job description may be subject to change and is not intended to be all-inclusive. The employee may perform other related duties to meet the ongoing needs of the organization.

Updated: July 9, 2026

EDUCATION AND/OR EXPERIENCE

• Bachelor's degree in Finance, Accounting, Economics, or a related field required.

• Seven or more years of progressive commercial credit, underwriting, credit administration, or risk management experience within a financial institution strongly preferred.

• Prior experience leading, mentoring, or developing credit professionals required.

• Experience building, enhancing, or scaling credit risk processes, underwriting programs, or credit administration functions strongly preferred.

REQUIRED SKILLS AND ABILITIES

Technical Credit Expertise

• Strong knowledge of commercial credit analysis, financial statement analysis, cash flow analysis, loan structuring, and risk assessment principles.

• Advanced understanding of repayment capacity analysis across multiple borrower and guarantor structures.

• Thorough knowledge of banking regulations, credit administration practices, and loan policy standards.

• Ability to evaluate commercial real estate, agricultural, consumer, and business lending relationships.

Technology and Analytics

• Advanced proficiency in Microsoft Excel and Word, including financial modeling, data analysis, and reporting tools.

• Ability to utilize data analytics and reporting tools to support credit risk evaluation and portfolio monitoring.

• Working knowledge of artificial intelligence, automation, and emerging technologies applicable to underwriting, credit administration, and risk management.

• Ability to evaluate technology-generated insights while maintaining independent credit judgment.