CLASSIFICATION: Exempt

REPORTS TO: Chief Credit Officer

DATE: November 6, 2026

JOB DESCRIPTION

Summary/Objective

The Senior Credit Officer is a senior individual contributor role within the Credit Risk Management function, responsible for independent credit judgment and risk assessment of complex commercial credits. This role will have significant loan authority to be used prudently. The position supports the Bank's credit culture by ensuring proper risk selection, adherence to credit policy, and consistent application of regulatory standards across business lines. While the role carries significant influence and authority, it does not include direct supervisory or people management responsibilities.

Essential Functions
Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Other Duties

Skills/Abilities

Supervisory Responsibility

This position does not have supervisory responsibilities.

Work Environment

This job operates in an office setting, the opportunity to telework is not available. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. Office environment with job duties conducted via telephone, face to face meetings, and on the computer.

Physical Demands

This position requires manual dexterity, the ability to lift files and open cabinets. This position requires bending, stooping or standing as necessary.

Travel

Footprint wide travel may be required and regular visits to clients/prospects in market territory.

Education and Experience

Equal Employment Opportunity/M/F/disability/protected veteran status

Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities and activities may change at any time with or without notice.