SVP, Senior Credit Officer - CRE & Construction Lending

We are currently looking for an SVP, Senior Credit Officer, to join our Commercial Real Estate & Construction Lending team.

Job Summary

The Senior Credit Officer - CRE & Construction Lending (SCO) is responsible for providing leadership, governance, and oversight of the Bank's commercial credit portfolio with a primary focus on construction and development lending. This role oversees credit risk management, underwriting standards, portfolio quality, policy administration, and credit approval processes for residential development, single-family rental (SFR), built-to-rent (BTR), land acquisition and development, commercial real estate construction, build-to-suit projects, bridge financing, and related commercial real estate lending activities.

The SCO serves as a key member of the leadership team and works closely with the CEO, Chief Lending Officer, Senior Lending Officers, and lending-credit teams to support profitable growth while maintaining disciplined credit risk management practices. The position ensures that the Bank's real estate development and construction portfolios are structured, monitored, and managed in accordance with sound banking principles, regulatory expectations, and the Bank's strategic objectives.

What you can expect to work on

Credit Administration & Underwriting

• Lead credit analyst team and oversee day-to-day underwriting operations.
• Review and approve credit memorandums and complex transactions.
• Ensure timely, accurate assessment of CRE and construction loans.
• Maintain underwriting standards and credit quality.

Credit Risk Management & Governance

• Develop and maintain credit risk framework, policies, and concentration limits.
• Monitor KRIs, rating migration, delinquency, and emerging risks.
• Contribute to CECL/ACL analysis and reserve adequacy.
• Provide credible challenge and participate in credit committees.

Portfolio Management & Analytics

• Analyze portfolio performance, concentrations, and market trends.
• Conduct stress testing and sensitivity analysis.
• Track policy exceptions and identify systemic risk issues.
• Report to senior management, Audit Committee, and Board.

Construction & CRE Strategy

• Oversee underwriting for residential construction and development, SFR, BTR, multifamily, and CRE build-to-suit projects.
• Evaluate project feasibility, absorption, and exit strategies.
• Align portfolio strategy with market conditions and risk appetite.

Compliance & Regulatory Oversight

• Ensure adherence to regulatory requirements and internal policies.
• Serve as a liaison with regulatory agencies on construction and commercial real estate matters.
• Support internal and external audits, examinations, and loan reviews.
• Maintain sound credit governance practices.

Leadership & Development

• Mentor and develop credit and underwriting personnel.
• Foster a strong credit culture and accountability.
• Establish performance expectations and succession planning initiatives.
• Work with executive leadership across lending and risk functions.

What you offer us

• 15+ years commercial banking experience with CRE and construction focus.
• 10+ years credit leadership experience.
• Deep expertise in underwriting, portfolio management, and risk governance.
• Experience with CECL, stress testing, and concentration risk.
• Strong communication and presentation skills.
• Experience with regulators, audits, and Board-level reporting.

What we offer you

NASB offers competitive compensation and excellent benefits packages, including:

• Comprehensive health insurance (medical, dental, and vision coverage)
• 401(k) retirement plan with a 50% employer match on the first 6% of your contribution
• Generous paid time off (PTO) including 11 holidays, your birthday, and volunteer time
• Exclusive mortgage and banking benefits.
• Employee referral bonuses
• Internal training and development programs to help reach your career goals.
• This position will be based out of our headquarters office in Kansas City, with flexibility for remote work one to two days per week.

Note: This job description should not be construed to imply that these requirements are the exclusive standards of the position. The employer has the right to revise this job description at any time.