Senior Credit Officer

This position can be located at Portland or Bend, OR Downtown branch.

The Senior Credit Officer is accountable for supporting credit risk oversight for one or more regions, markets, and/or business lines. This position evaluates and adjudicates credit requests for existing customers and new prospects, reviews annual analyses, identifies potential and emerging risk (credit, reputational, liquidity, market, and operational), and performs proactive portfolio management through ongoing monitoring.

• Understands and evaluates market conditions within oversight regions/business lines for proactive assessments of credit risk and partnership with the line of business on strategic loan growth.
• Provides credit coaching, mentoring, and training throughout the lending and adjudication process.
• Assists line management in the evaluation of line personnel.
• Adjudicates, administers, and reviews loans and loan commitment requests to ensure adherence to existing policy guidelines and sound underwriting principles to protect the quality and profitability of the loan portfolio.
• Plays a key role in presenting well‑organized, accurate, and complete analysis of recommendations for adjudication.
• Identifies potential problem loans and works with the Special Assets Group and frontline staff to help manage credit risk.
• Oversees initial and ongoing loan risk rating accuracy for the portfolio within oversight regions.
• Maintains and ensures commercial extension of credit within risk appetite and is properly managed.
• Ensures credit evaluations properly assess credit risk, policy exceptions, regulatory compliance, and risk rating assignment through effective financial analysis and collaboration.
• Acts as the primary contact for commercial lenders, underwriters, product specialists, and senior leadership within regions for all new, renewals, and/or modifications of credit up to individual credit authority.
• Demonstrates leadership of a collaborative partnership across all internal stakeholders to advocate an appropriate credit risk culture.
• Supports credit risk management participation in internal loan review, audit, and regulatory examinations.
• Provides support in forecasting asset quality indicators to senior management.
• Contributes to the establishment and review of credit policy as appropriate.
• Works closely with the Divisional Officer on other special projects.
• Approves loans within position’s delegated credit authority and facilitates approvals for relationships requiring higher‑level approval.
• Supports and/or coordinates reporting for various stakeholders and maintains strong communication lines with finance and loan operations.
• Assists in training, travels to meet with stakeholders, and supports Divisional Credit Managers as required.
• Performs other duties as assigned.

• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations.
• Ability to write reports, business correspondence, and procedure manuals.
• Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and perform spreadsheet analysis.
• Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists.
• Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
• Must possess common sense and logical knowledge to formulate and strategize options for any given situation.
• Must be proficient with MS Word and Excel.
• Knowledgeable across multiple types of commercial lending including, but not limited to: C&I, Real Estate, hotel, agricultural, equipment, and aviation.
• Willingness to travel within the bank’s footprint or as required based on customer location.

• Bachelor’s Degree required.
• 10+ years of commercial lending and/or commercial credit risk experience required.

• Valid Driver’s License required.

Dexterity of hands/fingers to operate computer keyboard and mouse – Frequently;
Sitting – Frequently;
Standing – Occasionally;
Noise Level – Moderate;
Typical Work Hours – M-F (8-5);
Regular and Predictable Attendance – Required;
Expected to perform market and customer visits across the footprint – 20% of time.

In compliance with the Americans with Disabilities Act, the company provides reasonable accommodation to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations.

If you are a current FIB employee, please apply through the Career Worklet in the Employee Portal.