layiq

/la·yiq/adjective

worthy; deserving; fitting; suitable.

A role, opportunity, or path that merits attention, time, and pursuit.

LAYIQ - Senior Credit Officer – Commercial & Industrial at First National

Portfolio Risk Management: · Own and manage the credit risk of the C&I portfolio, ensuring ongoing portfolio quality through proactive monitoring, early identification of emerging risks, and timely escalation of credit concerns.
· Lead all credit actions associated with the C&I portfolio, including renewals, modifications, downgrades, watch list management, and charge-off recommendations.
· Monitor C&I portfolio quality and concentration levels; report on relevant trends to FNBO Credit Leadership and other stakeholders, proposing changes to credit policy, concentration limits, and risk rating processes as internal or external conditions evolve.
· Represent credit risk management at executive and credit committee meetings, including the FNNI Loan Committee, Banking Credit Committee, and Special Assets Committee.
C&I Credit Guidelines: · Own and maintain FNBO's C&I credit guidelines, ensuring they remain current, competitive, and reflective of evolving market conditions, regulatory requirements, and portfolio performance.
· Partner with credit policy and analytics teams to continuously evolve underwriting guidelines, collateral management requirements, and risk rating frameworks specific to commercial and industrial lending.
· Establish and communicate credit standards across a broad range of C&I industries and borrower types, including working capital facilities, term loans, borrowing base structures, and leveraged transactions.
· Drive consistency in credit underwriting practices across the C&I business line through guideline governance, training, and ongoing credit officer development.
Credit Review & Approval: · Review and approve all C&I loan memos with aggregate exposure up to $25MM, challenging all aspects of loan decisions including qualitative and quantitative credit analysis, deal structure, and terms and conditions.
· Guide and oversee the submission of C&I loan approvals to the FNNI Loan Committee, ensuring completeness, accuracy, and alignment with credit policy.
· Participate in due diligence for new and existing C&I customers.
· Work with C&I line leadership to ensure all negotiated terms and conditions adhere to bank policy and guidelines.
· Monitor all exceptions, modifications, and changes in terms for loans in the C&I portfolio.
Leadership & People Development: · Directly manage the Credit Officer of Commercial & Industrial, providing coaching, performance feedback, and ongoing professional development.
· Partner with Credit Leadership and the C&I business line to identify and develop potential successors within the organization, maintaining an active succession and development plan.
· Lead change initiatives within the C&I credit function, identifying and implementing opportunities to improve credit processes, underwriting quality, and portfolio performance.
· Support business growth, sales, and credit activities in the C&I business line.
· Deliver on Credit and FNBO strategic initiatives.

Required: · 15+ years of commercial credit risk management or financial services experience required, with demonstrated expertise across a broad range of C&I industries and borrower types.
· Proven track record of owning and managing credit guidelines and underwriting standards within a commercial lending platform.
· Deep knowledge of C&I financial analysis, including financial statement spreading, cash flow modeling, leverage and coverage assessment, borrowing base structures, working capital dynamics, and stress testing.
· Knowledge of commercial loan P&L dynamics and the interaction of business operations, product configuration, and the macroeconomic environment.
· Demonstrated experience leading change, with a track record of identifying and implementing improvements to credit operations and portfolio performance.
· Demonstrated success working across business lines to drive sound credit and business decisions.
· Working knowledge of applicable laws and regulations governing commercial lending in a financial institution.
· Bachelor's Degree required; Master's Degree preferred in Finance, Business, or Economics.
Preferred: · Technology Services: Experience underwriting and approving loans to technology services companies, including familiarity with recurring revenue models, software-as-a-service (SaaS) structures, intellectual property considerations, and sector-specific growth and margin dynamics.
· ESOP Transactions: Knowledge of Employee Stock Ownership Plan (ESOP) lending structures, including leveraged ESOP transactions, seller note dynamics, repurchase obligation risk, and the unique governance and financial reporting considerations of ESOP-owned companies.
· Ambulatory Surgery Centers: Familiarity with healthcare lending to ambulatory surgery centers (ASCs), including reimbursement risk, payor mix analysis, physician partnership structures, regulatory considerations, and the operational drivers of ASC financial performance.
Leadership Attributes
· Strategic Visioning: Defines and articulates the future state of the C&I credit function through an understanding of internal and external challenges, identifying unique opportunities to create portfolio value.
· Creativity & Innovation: Generates or facilitates new ideas, methods, or solutions to complex credit, portfolio, and guideline challenges.
· Assertiveness & Courage: Takes decisive action in the face of ambiguity or challenge, maintaining sound credit judgment under pressure.
· Change Leadership: Initiates and facilitates organizational changes and business transformation within the C&I credit function.
· Decision Making: Evaluates alternatives with rigor and selects courses of action that reduce risk and create optimal outcomes for FNBO and its customers.
· People Development: Invests in the growth of direct reports and the broader C&I credit team, building organizational capability and a strong succession pipeline.
Candidates must possess unrestricted work authorization and not require future sponsorship.

Senior Credit Officer – Commercial & Industrial

Employer job description

Summary of the Job:

About This Role:

Key Responsibilities

The Ideal Candidate for This Role:

Qualifications

Compensation:

Work Environment:

Benefits Overview:

About this listing

Listing check

Similar jobs

Similar jobs