Applebank

Senior Credit Officer and Head of C&I Credit

New York, NY · Senior

No sponsorship$340k-$380kDetected 30 days ago

Stakeholder ManagementFinancial AnalysisForecastingAuditingLoad TestingLeadershipCommunicationMentoringPublic SpeakingInternal AuditUnderwriting

About the role

The role offers meaningful authority, enterprise level influence, and the opportunity to shape credit outcomes across the organization.
For high performing individuals, this role provides significant visibility with senior leadership and the Board, along with a potential succession path to Deputy Chief Credit Officer over time.
This is an opportunity for an experienced credit leader to make a lasting impact within a strong risk culture and a growing institution.

Identify distressed assets early and develop risk‑mitigation strategies to minimize potential losses.
Collaborate with Credit, Risk, Lending, Legal, Finance, and other departments to implement. changes related to credit risk management practices, regulatory requirements, underwriting standards, and lending program development.
Provide independent oversight, guidance, and credible challenge across the credit lifecycle to support sound risk decision‑making.
This position is a key decisionmaker in complex commercial transactions, a voting member of the Credit Committee, and a trusted partner to lending, portfolio, and risk teams in supporting disciplined, profitable growth.
The candidate will serve as a key decisionmaker in complex credit approvals, a voting member of the Credit Committee, and a trusted partner to lending, portfolio, and risk teams in supporting disciplined, profitable growth.
Partner with the Chief Credit Risk Officer (CCRO) and risk committees to establish portfolio and counterparty limits aligned with the Bank's risk appetite.

Participate in enterprise‑wide risk initiatives and special credit matters as required.
Advanced knowledge of credit risk measurement methodologies, including loss forecasting, counterparty credit risk assessment, stress testing, and portfolio analytics.
Advanced knowledge of applicable federal and state banking laws and regulations, and regulatory expectations governing credit risk management.
Demonstrated ability to provide independent, credible challenge and exercise sound judgment in high‑stakes credit decisions.
Strong written and verbal communication skills, with the ability to clearly articulate complex risk issues and recommendations.
Ability to operate effectively in a fast‑paced, highly regulated environment while managing competing priorities, exercising discretion, and maintaining independence.

Bachelor's degree
MBA or advanced degree preferred.
Significant leadership experience (typically 10-15+ years) overseeing credit underwriting, portfolio management, or risk governance functions, including accountability for complex credit decisions.
Deep subject matter expertise in at least one complex or specialized credit area (e.g., Private Credit, Lender Finance, Private Equity, Subscription Finance, CLOs, or similar structured credit products).

Review, approve, and monitor credit policy exceptions, including trend analysis and remediation.
Anticipate and assess regulatory developments, macroeconomic conditions, and industry trends to proactively adjust credit risk practices.
Remediate credit risk MRAs and internal audit findings.

This listing is sourced directly from Applebank's careers page and normalized into a canonical job model.