[Hiring] SVP, Sr Credit Officer @Customers Bank

Role Description

At Customers Bank, we believe in working hard, working smart, working together to deliver memorable customer experiences and having fun. Our vision, mission, and values guide us along our path to achieve excellence. Passion, attitude, creativity, integrity, alignment, and execution are cornerstones of our behaviors. They define who we are as an organization and as individuals. Everyone is encouraged to have personal development plans. By doing so, our team members are on their way to achieve their highest potential and be successful in their personal and professional lives.

What You’ll Do

• Credit Policy Development & Maintenance
  • Author, revise, and maintain the Bank’s overall Credit Policy to reflect current risk appetite, regulatory requirements, and market conditions; ensure appropriate approval, version control, and recordkeeping of all policy changes.
  • Serve as the primary subject matter expert on all credit policy matters for internal stakeholders including the CLO, CCO, Compliance, Internal Audit, and Internal Loan Review.
  • Propose, negotiate, and document policy or process changes in response to regulatory findings, audit observations, or identified portfolio weaknesses.
  • Partner with CRE, C&I, and ABL lending teams to develop and implement process improvements that enhance efficiency, consistency, and risk discipline.
  • Deliver formal and ad hoc training to lending and credit support staff on policy changes, underwriting standards, and process updates.
• Credit Underwriting & Portfolio Oversight
  • Evaluate and approve complex commercial credit requests, ensuring sound underwriting, appropriate loan structure, and alignment with the Bank’s risk appetite.
  • Collaborate with relationship managers to develop financing solutions that balance business development objectives with prudent credit risk management.
  • Oversee ongoing monitoring and management of the commercial loan portfolio; lead early identification of problem loans and develop proactive resolution strategies.
  • Ensure the timely and accurate completion of credit reviews, risk rating assessments, and covenant compliance tracking.
  • Maintain a current understanding of market conditions, competitive landscape, and emerging credit risks across commercial lending sectors.
• Reporting & Governance
  • Prepare credit reports and portfolio analytics for the Board Credit Committee and Board of Directors.
  • Organize and facilitate Problem Loan Meetings and produce ad hoc portfolio reporting for senior leadership.
  • Collaborate on portfolio performance reporting delivered to the Credit Committee, CLO, and CCO.
  • Support identification and escalation of areas of portfolio weakness or concentration risk.
• Technology & Cross-Functional Collaboration
  • Act as the Lending subject matter expert for core lending technology platforms (e.g., nCino, eLoans), supporting system enhancements, workflow design, and user adoption.
  • Partner cross-functionally with Accounting, Finance, and Risk teams on lending-related matters including CECL, regulatory reporting, and financial modeling.
  • Collaborate with Compliance and Legal to ensure credit practices align with applicable regulations and internal control requirements.
• Leadership & Mentorship
  • Serve as a key member of the Bank’s credit leadership team, contributing to strategic planning, policy development, and organizational design.
  • Provide mentorship, guidance, and informal training to junior credit staff; foster a culture of intellectual rigor, continuous learning, and sound risk management.
  • Develop and implement strategic initiatives aimed at improving lending processes, credit quality, and operational efficiency.

Qualifications

• 10+ years of commercial credit experience, with demonstrated expertise across multiple loan types (CRE, C&I, ABL, or similar).
• Proven experience in credit policy development, credit administration, and portfolio management, including risk rating, problem loan identification, and workout.
• Prior experience in a credit policy, credit risk, or senior underwriting role at a commercial bank or financial institution.
• Strong analytical skills with the ability to assess complex financial information, industry dynamics, and borrower-specific risk factors to render well-reasoned credit decisions.

Education

• Bachelor’s degree in Finance, Accounting, Business Administration, or a related field required.
• MBA or graduate degree preferred; formal credit training program (e.g., RMA Credit Risk Certification, ABA Stonier, or equivalent) a plus.

Skills & Competencies

• Exceptional written and verbal communication skills; ability to clearly articulate complex credit concepts to senior management and the Board.
• Strong organizational and project management skills with the ability to manage multiple priorities in a deadline-driven environment.
• Demonstrated leadership presence and ability to influence across lines of business and functional areas.
• Working knowledge of regulatory requirements governing commercial lending, credit risk, and loan portfolio management.

Technology Skills

• Ability to work with the Microsoft Suite and learn/work with other Customers Bank’s applications.
• Proficiency with core lending and credit systems (e.g., nCino, eLoans); ability to act as a subject matter expert for system enhancements, workflow design, and user adoption.
• Familiarity with AI and automation tools that support productivity, workflow efficiency, and client engagement.

Salary

An annual salary range of $175,000 - $200,000 is what we expect to pay for this position, based on overall skills and experience.

Eligibility

Must be legally eligible to work in the United States without sponsorship, now or in the future, to be considered.

Diversity Statement

At Customers Bank, we believe in working smart, working together, and having fun while delivering innovative solutions and memorable experiences for our customers. We are committed to the continual advancement of a culture which reflects the value we place on diversity, equity, and inclusion. We honor the diverse experiences, perspectives, and identities of our team members, and we recognize that it is their passion, creativity, and integrity that drives our success. Step into your future with us! Let’s take on tomorrow.