Credit Officer I-IV

ANB Bank has financial strength embodied in $3 billion in assets and is a true community bank with an unwavering commitment to excellence.  The bank helps each of its communities prosper through investment, sponsorship, philanthropy, and employee volunteerism.  It is a passion ANB has for banking that makes a difference.

ANB Bank hires individuals who provide excellent customer service and build meaningful relationships with our customers and within our communities.  ANB is committed to rewarding our team members who strengthen our company and culture.  ANB offers competitive compensation and a comprehensive benefits package for this position.

Hiring Pay Range: $50,000.00 - $105,000.00 per year

• Credit Officer I - $50,000.00 - $75,000.00
• Credit Officer II - $60,000.00 - $85,000.00
• Credit Officer III - $70,000.00 - $97,500.00
• Credit Officer IV - $70,000.00 - $105,000.00
• The hiring pay range for this position is commensurate with the level of relevant experience and education.

Health & Wellness Benefits (Subject to Eligibility Requirements)

• Minimum 4 Weeks of Paid Time Off (PTO)
• 11 Paid Holidays
• Medical, Dental, and Vision Insurance 
• Health Savings (HSA), Flexible Spending (FSA), and dependent care spending accounts 
• Company provided Life, AD&D, and Disability Insurance with supplementation options 
• 401(k) plan with discretionary company match and profit sharing 
• Discretionary annual bonus and employee referral incentives
• Employee Assistance Program (EAP) 
• Tuition Reimbursement Program 
• Spanish Communication Assistant Program Incentive

Summary

• ANB Bank Credit Officers are leaders of our credit-related operations teams, directly supporting our banking centers in their loan production and relationship management efforts while managing risk in the credit portfolio.  Our officers also actively participate in leadership positions within the bank and in our local communities.  As the Loan Administration Manager, you will manage a team of professionals charged with ensuring that loans comply with both regulatory and internal requirements.  This team works closely with our branch teams to deliver loan documentation and service loans throughout the life of the loan.  

Essential Duties and Responsibilities 

• Oversee hiring, training, and development of the team.
• Maintains thorough understanding and continuing knowledge regarding, regulatory loan compliance, state laws, bank’s credit policy, internal procedures, consumer disclosures including but not limited to TILA/RESPA, HMDA, TRID, Reg B and any other overlapping areas of compliance related to loan files.
• Understand and act as a resource for questions related to all loan documentation, including documentation required to perfect the Banks’ security interest in collateral, ensuring compliance with state laws, regulatory agencies, banks internal procedures and policy requirements. 
• Assists internal customers with various problems, changes and/or inquiries regarding loans in process, following through to make sure customers’ needs have been satisfied.
• Will manage various projects centric to monitoring functions to ensure accuracy and quality throughout the life of the loan process.
• Ensure the team is meeting or exceeding performance goals and service level objects.
• Develop or refine processes and procedures to streamline workflow management.
• Maintains a current knowledge and consistent compliance with Bank Secrecy Act (BSA) requirements, as well as knowledge and consistent compliance with other banking regulations and Bank policies and procedures related to the position.
• Maintains confidentiality and delivers quality of service as defined by department standards.
• Supports the company’s Mission, Vision, and Values.
• Other duties may be assigned.

Education and/or Experience

Credit Officer I:

• 1 - 3 years loan review, commercial lending, credit analysis or related experience required.  
• Proven skills in relationship building, management, and team leadership.
• Preferred four-year college or university degree; or equivalent combination of education and experience.  

Credit Officer II:

• 2 - 5 years loan review, commercial lending, credit analysis or related experience required.
• Proven skills in relationship building, management, and team leadership.  
• 1 - 2 years direct experience in a similar managerial role.
• Preferred four-year college or university degree; or equivalent combination of education and experience.  

Credit Officer III:

• 5 - 7 years loan review, commercial lending, and credit analysis or related experience required.
• Proven skills in relationship building, management, and team leadership.  
• 2 - 5 years direct experience in a similar managerial role.
• Preferred four-year college or university degree; or equivalent combination of education and experience.  

Credit Officer IV:

• 7 years loan review, commercial lending, credit analysis or related experience required.
• Proven skills in relationship building, management, and team leadership. 
• 5 years direct experience in a similar managerial role.
• Preferred four-year college or university degree; or equivalent combination of education and experience.  

Work Schedule: Monday - Friday, 8:00am - 5:00pm

Equal Opportunity Employer / Affirmative Action / Minorities / Female / Disability / Veteran

ANB Bank is committed to providing Equal Opportunity in Employment.  The Bank is continually trying to improve recruitment, employment, development, and promotional opportunities for its employees.  Our selection decisions are based on job-related factors and not on the basis of age, race, sex, color, religion, national origin, disability, sexual orientation, veteran status, pregnancy, marital status, genetic information, gender identity, or any other status protected by federal, state, or local law.

ANB Bank complies with the Equal Pay for Equal Work Act.  ANB Bank requests that Applicant not disclose its wage history to ANB Bank.  If ANB Bank for any reason comes into possession of Applicant's wage rate history, ANB Bank will not rely on it in determining a wage rate.  ANB Bank requests that Applicant not provide information on age, date of birth, or graduation date from any academic institution, including on resumes.

Anticipated Date of Application Window Closure: 1/2/2026 (or until filled)

Salary : $50,000 - $105,000