Senior Credit Officer

Base pay range

$150,000.00 / yr - $170,000.00 / yr

This range is provided by City First Bank. Your actual pay will be based on your skills and experience — talk with your recruiter to learn more.

Who we are

City First Bank N.A. is a mission‑driven Community Development Financial Institution (CDFI) principally focused on a transformative impact in underserved, urban markets with the highest needs to drive equitable economic development. Our credit activities are purely commercial and focused on the following segments : Multifamily Affordable Housing, Not-for-Profit Finance, and Small Business Finance. As a depository and commercial lending provider with over $1.3 billion in bank assets as of December 31, 2024, our unified organization has over 100 employees in Washington DC and Los Angeles / Inglewood, CA.

Role summary

The role will directly report to and support the Chief Credit Officer (CCO) in management of the Bank’s loan portfolio. This role will also assume responsibility for the more complex lending relationships in the portfolio, including underwriting, and serves as a senior subject matter expert internally and externally. The Senior Credit Officer will handle all aspects of the relationships in the portfolio including pre‑vetting, maintaining the credit pipeline, loan approvals, month‑end reporting, annual reviews, monitoring and watch reporting. The position will not have business development responsibilities; however, the individual must be able to recognize such opportunities and refer these to the appropriate area of the bank.

In addition to driving production and portfolio monitoring, the position will lead the measurement and tracking of portfolio metrics for the CCO. The individual will need to have a broad working knowledge of a credit portfolio including loan loss reserves, risk rating assignments, general loan accounting, and risk management. Attention to detail and ability to research and resolve issues as they arise is critical to the position as the individual will also work closely with the CCO and play a primary role in the bank’s Credit Risk Management process.

The position requires a demonstrated ability to work across multiple areas of the financial institution while providing competent, courteous, and professional customer service to external and internal customers. The successful individual in this position is one that thrives on high quality service, strong initiative using their accumulated knowledge and experience, problem solving, and an eagerness to adapt and develop new banking skills.

Essential Functions and Responsibilities

Leadership and Supervision – 30%

• Creates an atmosphere within the organization that attains and maintains a high level of morale and embraces our Vision, Values, Mission, and Team Expectations while providing “best in class” customer service to internal and external clients.
• Contributes to the development and implementation of annual department goals and individual goals.

Credit Oversight – 30%

Credit Support and Underwriting – 20%

Education & Experience

Certifications

Knowledge, Skills, and Abilities

Seniority level

Director

Employment type

Full‑time

Job function

Administrative

Industries

Banking

Referrals increase your chances of interviewing at City First Bank by 2x.

Get notified about new Credit Officer jobs in Washington DC-Baltimore Area.

#J-18808-Ljbffr