BL Credit Officer

Overview

This role involves owning credit review and approval responsibilities for business loan requests within a centralized approval process. The position ensures lending decisions align with existing policy guidelines, that loan documentation is adequate to secure collateral, and that ongoing administration and review support the commercial loan portfolio’s quality and profitability.

Responsibilities

• Conduct primary credit approval and review activities to support centralized business loan approvals
• Perform timely assessments of credit risk and determine whether loan requests within the role’s authority should be approved or declined when there are questions of policy or excessive risk
• Recommend credit requests that exceed the role’s authority
• Examine loan documentation before granting loans or loan commitments to ensure adequacy and completeness
• Assist team members when volume exceeds capacity to meet established service level agreements
• Advise credit and line personnel on overall lending policy, including noting significant trends and recommending policy changes as necessary
• Participate in special projects as assigned
• Ensure compliance with Bank, State, Federal, and regulatory policies, with emphasis on loan policies and procedures
• Safeguard all confidential information in accordance with organizational policies
• Perform other duties as assigned

Requirements

• Five or more years of banking experience in Commercial credit analysis, commercial loan review, or commercial lending
• Education: BS or higher in Business Administration, Finance, Accounting, or related field
• Strong interpersonal skills
• Strong computer skills, including Word and Excel
• Excellent communication skills, with the ability to communicate and negotiate with all levels

Preferred Qualifications

• None specified.

Training Requirements

• Required annual compliance training
• New Employee Orientation

Physical Demands

• Must be able to stand and/or sit for long periods of time
• Must be able to access and interpret information on computer screens, documents, and reports

Work Environment

• Telecommuting roles (hybrid or 100% full-time telecommuting) require a secure home office environment free from background noise and distractions
• Must have a reliable private internet connection not supplied via cellular data (hot spot); cable or fiber connections are preferred
• Requirements may change as new systems and technology are delivered
• Travel may be required to attend meetings as needed

Compensation & Benefits

• Pay for this position is anticipated to be between $87,282.00 - $139,425.00; actual offers determined based on applicant’s skills, experience, and education

Location

In accordance with Colorado and Virginia law.

Additional Information

• While the anticipated deadline for the job posting is 11-13-2026, qualified candidates may be considered beyond this date.
• Equal Opportunity Employer, including disabled/veterans.
• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.