Senior Regional Credit Officer

Senior Regional Credit Officer

Position Summary

The Senior Regional Credit Officer (RCO) manages Busey’s Commercial Approval and Underwriting Processes for the regions they support and oversees. The Senior RCO serves as a credit resource for business lines and works with senior management on corporate initiatives.

Duties & Responsibilities

• Develop sound new borrower relationships, monitor the portfolios and associated risk, and ensure systems are kept current and accurately reflect portfolio risk.
• Provide counseling and consulting on the analysis and structuring of requests to align risk with the bank’s policies and tolerances.
• Communicate regularly with the commercial banking teams, attend team meetings, visit remote offices, and facilitate early inclusion in the credit process and client call efforts.
• Facilitate timely and succinct credit analysis and loan structure with deference to policy for new requests and renewals, including timely credit decisions.
• Work with the pipeline, RMs, underwriters, and credit analysts to gain early entry into the credit process and influence new credit requests in line with the organization’s risk tolerance and policy.
• Ensure proper loan grading – regulatory grades and PD / LGDs must accurately reflect current borrower performance and risk to the organization.
• Complete field exam review, audits, loan reviews and exams, ALSR review and approval, non‑accrual and charge‑off forms, and TDR review processes.
• Organize and supervise a team of Credit Officers and Commercial Underwriters, providing guidance and oversight in producing timely and accurate credit recommendations while maintaining adherence to credit policy and banking regulations.
• Work closely with Regional Presidents to manage workflows and maintain timeliness of underwriting needs for both existing and new relationships.

Education & Experience

Skills & Abilities

Benefits and Compensation

Salary is based on duties, qualifications, experience, and local market trends. The role may be eligible for bonus or incentives. Base pay range : $150,000 − $215,000 / year.

Busey offers a competitive Total Rewards package, including 401(k) match, profit sharing, employee stock purchase plan, paid time off, medical, dental, vision, company‑paid life insurance, long‑term and short‑term disability, supplemental voluntary life insurance, wellness incentives, and an employee assistance program. Eligible associates may use pre‑tax health savings accounts and flexible spending accounts.

Equal Opportunity

Busey values a diverse and inclusive workplace and strives to recruit, develop, and retain individuals with exceptional talent. Busey is an Equal Opportunity Employer including Disability / Veterans.

Unsolicited Resumes

Busey Bank and its subsidiaries do not accept unsolicited resumes from recruiters or employment agencies unless a binding written recruitment agreement is in place. Busey reserves the right to hire such candidates without financial obligation to the agency.

Seniority Level – Director

Employment Type – Full‑time

Job Function – Finance and Sales (Banking)

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