Explore Credit Officer Jobs

Credit Officers assess lending risk and help organizations make sound decisions about loans, credit lines, and other financing. They review applications and financial information, evaluate repayment capacity, recommend terms, and monitor credit portfolios. On Ladders, explore vetted Credit Officer opportunities with compensation of $100,000 or more, including senior and leadership roles across financial institutions and other industries.

What Does a Credit Officer Do?

Responsibilities vary by employer and level, but often include analyzing borrower financial statements, assessing creditworthiness, applying lending policies, preparing approval recommendations, and documenting decisions. Credit Officers may also oversee underwriting teams, manage portfolio exposure, identify emerging risks, and work with relationship managers, compliance teams, and executives.

Common Credit Officer Specialties

Credit Officer roles can focus on commercial or corporate lending, consumer credit, real estate finance, leveraged lending, asset-based lending, or credit risk management. Job titles and scope differ across organizations, so review each posting for its portfolio, authority, industry, and reporting responsibilities.

Skills and Qualifications

Employers commonly seek experience in credit analysis, underwriting, financial modeling, risk assessment, and lending regulations. Strong candidates communicate complex findings clearly, exercise sound judgment, and understand how economic conditions affect borrowers and portfolios. Senior roles may require team leadership, approval authority, and experience developing credit policies or strategies. Requirements vary by position.

Find Credit Officer Jobs on Ladders

Search Credit Officer openings on Ladders to discover vetted professional opportunities paying $100,000 or more. Compare responsibilities, qualifications, and compensation details to find roles aligned with your credit expertise and career goals.

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$92K - $158K *

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$150K - $250K *

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Reposted today

  •   Less than 5 years exp.  •   Education, Government & Non-Profit

Frequently Asked Questions (FAQ)

  • What does a Credit Officer do?question toggle

    A Credit Officer evaluates borrower risk and supports decisions about loans and credit facilities. Typical work includes analyzing financial information, recommending credit terms, documenting approvals, and monitoring portfolio performance.

  • What qualifications are common for Credit Officer jobs?question toggle

    Requirements vary, but employers often look for experience in credit analysis, underwriting, financial statement review, risk management, and lending. Senior positions may also require leadership experience or delegated approval authority.

  • Which industries hire Credit Officers?question toggle

    Credit Officers are commonly employed by banks, credit unions, commercial lenders, finance companies, and other organizations with lending or credit-risk functions. Opportunities may span commercial, consumer, real estate, and specialty finance.

  • What is the difference between a Credit Officer and a credit analyst?question toggle

    A credit analyst typically focuses on researching and evaluating borrower or portfolio risk. A Credit Officer may have broader decision-making responsibilities, including recommending or approving credit, managing exposures, and overseeing credit policy, depending on the employer.

  • Can I find $100,000-plus Credit Officer jobs on Ladders?question toggle

    Yes. Ladders features vetted professional jobs paying $100,000 or more, including Credit Officer opportunities. Review individual listings for the role’s compensation, location, and qualifications.