Hiring Pay Ranges: $60,320.00 - $118,040.00 Per Year
- Credit Officer I - $60,320.00 - $88,400.00
- Credit Officer II - $66,560.00 - $97,240.00
- Credit Officer III - $80,080.00 - $118,040.00
- The hiring pay range for this position is commensurate with the level of relevant experience and education.
Health & Wellness Benefits (Subject to Eligibility Requirements)- Minimum 4 Weeks of Paid Time Off (PTO)
- 11 Paid Holidays
- Medical, Dental, and Vision Insurance
- Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts
- Company provided Live, AD&D, and Disability Insurance with supplementation options
- 401(k) plan with discretionary company match and profit sharing
- Discretionary annual bonus and employee referral incentives
- Employee Assistance Program (EAP)
- Tuition Reimbursement Program
- Spanish Communication Assistant Program Incentive
- Employee Banking Products
Summary- ANB Bank Credit Officers are leaders of our credit-related operations teams, directly supporting our banking centers in their loan production and relationship management efforts while managing risk in the credit portfolio. Our officers also actively participate in leadership positions within the bank and in our local communities. As the Credit Analysis Officer you will help guide a team of Credit Analysts through in-depth loan reviews, training, assisting the department's regional lead program, as well as assisting management with department strategy and reporting. Additionally, the Credit Analysis Officer will analyze complex credits and assist in preparation for decision makers.
Essential Duties and Responsibilities - Act as a lead reviewer on smaller loans prepared by other Credit Analysts below the bank's loan committee threshold. Ensure loans are held to Credit Policy, underwriting procedures, and appropriate credit risk. Ensure consistency among the Analyst team in terms of risk tolerance, policy adherence, and general presentation quality.
- Prepare training for the department on credit risk, loan policy, and systems in accordance with management and team goals.
- Develop strategies for effective regional relationships through the Regional Lead Program by facilitating RM meetings, doing market research, and understanding the credit portfolios of each area.
- Assist with lender preparation of Credit Presentations for bank loan committee.
- Prepare spreadsheets, cash flow analyses, collateral assessments, with commentary in evaluation of commercial (R/E, Ag, Energy, C&I) loan requests.
- Perform extensive credit analysis including gathering, analyzing and interpreting all types of credit information on existing and prospective customers prior to the credit decision being made. This includes, but is not limited to:
- Analysis of business and personal financial statements such as balance sheets, income statements and cash flow statements, and credit reports.
- May also include analysis of customer performance compared to peer industry averages.
- Analysis of the more difficult and complex credits within the department.
- Meet with lenders to gather information to support credit analysis.
- Investigate all available sources of credit and financial information, including reporting services, credit bureaus and agencies.
- Review appraisals, environmental reports, title reports and loan documents for collateral property.
- When appropriate, review and analyze property financial information to determine actual income, expenses and projected debt service coverage.
- Interact with accountants and attorneys at direction of management, when necessary to perform analysis.
- Research and/or develop credit information for use by senior credit staff, lenders, or other credit officers in lending decisions on new loans, renewals, and extensions.
- Update spreadsheets, cash flow analyses, collateral assessments, and financial statements for term loan reviews.
- May conduct specialized analyses and prepare specialized reports on loan quality/portfolio quality for management.
- Must meet established deadlines.
- Provide supervisory assistance when the manager is out of the office. This would include; managing the department's pipeline, assigning credit request to Underwriting Analysts and reviewing work the analysts' work products.
- Responsible for training both members of the Underwriting Department as well as members of the lending staff.
- Delivers quality of service ad defined by department standards.
- Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.
- Maintains confidentiality and delivers quality of service as defined by department standards.
- Supports the company's Mission, Vision, and Values.
- Other duties may be assigned.
Education and/or ExperienceCredit Officer I:- 1 - 3 years loan processing, loan servicing, commercial lending, credit analysis or related experience required.
- Proven skills in relationship building, management, and team leadership.
- Preferred four-year college or university degree; or equivalent combination of education and experience.
Credit Officer II:- 2 - 5 years loan processing, loan servicing, commercial lending, credit analysis or related experience required.
- Proven skills in relationship building, management, and team leadership.
- 1 - 2 years direct experience in a similar review and training role.
- Preferred four-year college or university degree; or equivalent combination of education and experience.
Credit Officer III:- 5 - 7 years loan processing, loan servicing, commercial lending, credit analysis or related experience required.
- Proven skills in relationship building, management, and team leadership.
- 2 - 5 years direct experience in a similar review and training role.
- Preferred four-year college or university degree; or equivalent combination of education and experience.
Work Schedule: Monday - Friday, 8:00am - 5:00pm
Anticipated Date of Application Window Closure: 11/07/2026 (or until filled)
