Position Overview
A well-capitalized, relationship-driven community bank is seeking a Senior Credit Officer to lead credit risk management, underwriting standards, and portfolio quality in a hands-on capacity. The selected executive will collaborate with the Chief Credit Officer, Chief Lending Officer, and senior management to foster a strong credit culture, ensure regulatory compliance, and support sustainable loan growth.
Reference: Sr Cre Off (3.14.26)
Location: Minneapolis, MN 55404
Salary: $125k - 140k per year
The ideal candidate will bring deep expertise in commercial credit underwriting, portfolio management, and regulatory engagement within a community or regional banking environment.
Key Responsibilities
- Provide senior-level oversight of commercial credit underwriting across C&I, CRE, owner-occupied, and specialized lending portfolios
- Review, approve, and structure complex and higher-risk credit relationships
- Serve as a trusted advisor to lenders on deal structure, risk mitigation, and policy interpretation
- Ensure compliance with internal credit policy, regulatory guidance, and safety-and-soundness standards
- Lead or support loan review, criticized asset management, and credit administration functions
- Participate in ALLL/CECL methodology, stress testing, and portfolio analytics
- Partner with lending leadership to balance growth objectives with disciplined risk management
- Prepare and present credit-related reporting to senior management, loan committee, and the Board
- Support regulatory exams and act as a key point of contact with auditors and examiners
- Mentor and develop credit analysts and junior credit staff, reinforcing strong underwriting discipline
Qualifications
- 10+ years of progressive commercial credit experience within a community or regional bank
- Strong background in C&I and CRE underwriting, including complex credit structures
- Prior experience in a Senior Credit Officer, Credit Manager, or Deputy CCO role preferred
- Deep understanding of regulatory expectations (FDIC, OCC, Federal Reserve, or state regulators)
- Proven ability to identify, measure, and mitigate credit risk across diverse loan portfolios
- Strong communication skills with the ability to influence lenders, executives, and the Board
- Bachelor’s degree in Finance, Accounting, Economics, or related field (MBA or CPA a plus)
Why This Opportunity
- Key leadership role with direct influence on the bank's credit culture and long-term stability
- Well-capitalized community bank with a relationship-driven lending model
- High visibility with executive leadership and the Board
- Opportunity to help shape credit policy, underwriting standards, and portfolio strategy
- Competitive compensation, bonus potential, and comprehensive benefits
This search is being conducted confidentially. Additional details will be shared with qualified candidates during the interview process.
For further information please contact Karen.smith@gogpac.com or call 517-325-3887.
All qualified applicants will receive consideration without regard to race, age, color, sex, religion, national origin, disability, sexual orientation, gender identity, marital status, military status, genetic information, or any other status protected by applicable laws or regulations.
