Senior Credit Officer

Senior Credit Officer

Join to apply for the Senior Credit Officer role at First Interstate.

Location:

Denver, CO (Cherry Creek) and Cheyenne, WY (Downtown branch).

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

• Generous Paid Time Off (PTO) in addition to paid federal holidays.
• Student debt employer repayment program.
• 401(k) retirement plan with a 6% match.
• Community support initiatives and a diverse, inclusive workplace.

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.

• Understand and evaluate market conditions within oversight regions/business lines for proactive assessments of credit risk and partnership with the line of business on strategic loan growth.
• Provide credit coaching, mentoring, and training throughout the lending and adjudication process.
• Assist line management in the evaluation of line personnel.
• Adjudicate, administer, and review loans and loan commitment requests to ensure adherence to existing policy guidelines and sound underwriting principles.
• Present well‑organized, accurate, and complete analysis of recommendations for adjudication.
• Identify potential problem loans and work with the Special Assets Group and front line to help manage credit risk.
• Oversee initial and ongoing loan risk rating accuracy for the portfolio within oversight regions.
• Maintain compliance with FIB’s risk appetite and ensure proper management of the commercial credit portfolio.
• Ensure credit evaluations properly assess credit risk, policy exceptions, regulatory compliance and risk rating assignment.
• Act as the primary contact for commercial lenders, underwriters, product specialists, and senior leadership within their regions for all new, renewal, and/or modification credit.
• Demonstrate leadership of a collaborative partnership across all internal stakeholders to advocate an appropriate credit risk culture.
• Support credit risk management participation in internal loan review, audit, and regulatory examinations.
• Assist in forecasting asset quality indicators to senior management.
• Contribute to the establishment and review of credit policy as appropriate.
• Collaborate closely with the Divisional Officer on other special projects.
• Approve loans within the assigned credit authority and facilitate approvals for higher‑level relationships.
• Support and/or coordinate reporting for various purposes to different constituencies.
• Assist in training, travel as required, and support Divisional Credit Managers.
• Perform other duties as assigned.

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily.

• Educational requirement:
  Bachelor’s Degree required.
• Experience:
  
  10+ years of commercial lending and/or commercial credit risk experience required.
• License:
  Valid Driver’s License required.
• Knowledge, Skills & Abilities:
  • Read, analyze, and interpret business periodicals, professional journals, technical procedures, or governmental regulations.
  • Write reports, business correspondence, and procedure manuals.
  • Effectively present information and respond to questions from managers, clients, and the general public.
  • Calculate figures and perform spreadsheet analysis.
  • Apply practical problem‑solving skills in diverse and dynamic situations.
  • Interpret written, oral, diagrammatic, or scheduled instructions.
  • Show common sense and logical reasoning to formulate and strategize options for any given situation.
  • Proficient with MS Word and Excel.
  • Knowledgeable across multiple types of commercial lending including C&I, real estate (investor and owner‑occupied), hotel, agricultural, equipment, and aviation.
  • Willingness to travel within the bank’s footprint, or as required based on customer location.