Credit Officer Jobs
Credit Officer jobs are open across commercial banking, consumer lending, and credit unions, covering specializations in underwriting, portfolio management, and risk analysis, at every level from analyst to senior credit officer and director. See the openings below and apply to the ones that match your experience.
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About Us
Live Oak Bank is a digital bank for small business owners across the country. Our goal is to be America’s Small Business Bank, and we’re getting there by pairing exceptional service with smart technology. We support owners at every stage with products:
- loans to buy, build, and expand
- checking and merchant services to keep daily operations moving
- high-yield savings and CDs to grow the money they’ve worked hard to earn
Our people are the heart of Live Oak. We take care of each other here, and that care carries over to how we serve our customers. If you want to help small business owners chase the American dream, we’d love to meet you.
How This Role Impacts Live Oak and its People
The Senior Credit Officer, Commercial (Solar & Renewable Energy) is the embedded credit officer for the Bank’s solar and renewable energy lending team. This role approves solar and renewable energy credit requests within individual loan authority, adhering to Bank policies and Government program guidelines, and serves as the primary credit partner to Energy & Infrastructure bankers and underwriters from early deal structuring through approval, closing, construction, and ongoing portfolio management. They lead the credit review of the Bank’s solar and renewable energy portfolio to help prevent or reduce loan losses. Responsibilities include verifying that documentation aligns with loan approvals and regulatory requirements, identifying early signs of project, sponsor, or counterparty deterioration, and ensuring compliance with policy objectives. As capacity allows, this role also supports loan transactions and portfolio activities across other Commercial Bank lending verticals.
Location Preference: This position is ideally based in Wilmington, NC; however, remote designations may be considered for qualified candidates.
What You’ll Do at Live Oak
- Serve as the embedded credit officer for the solar and renewable energy lending team, engaging with bankers and underwriters early in the deal process to shape structure, terms, and risk mitigants before transactions reach approval
- Approve solar and renewable energy credit requests within individual authority, adhering to Bank and regulatory guidelines (FDIC, SBA, and USDA), and present larger or more complex transactions to the Commercial Finance Credit Committee and senior credit leadership
- Provide subject matter expertise on solar and renewable energy projects and financing structures, including utility-scale, community solar, commercial and industrial (C&I), and battery energy storage (BESS) projects across construction, term, bridge, and tax credit related financings
- Evaluate project economics and revenue quality, including PPA, offtake, and community solar subscription contracts, merchant and REC exposure, independent engineer reports, energy production estimates (P50/P99), degradation and availability assumptions, and debt sizing and DSCR sculpting
- Assess sponsor, developer, EPC, and O&M counterparty strength, along with construction completion risk, interconnection and permitting status, equipment supply and warranty coverage, and tax credit (ITC/PTC) eligibility, transferability, and recapture considerations in light of evolving federal tax, tariff, and trade policy
- Oversee the credit aspects of construction lending and conversion to term, including draw review, milestone and COD tracking, and satisfaction of conversion conditions, in partnership with construction risk and servicing teams
- Own credit oversight of the solar and renewable energy portfolio, including monitoring project performance against base case, covenant and reserve compliance, annual reviews, and accurate risk ratings
- Identify early warning signs on solar and renewable energy credits and lead resolution strategy on watch list and troubled loans in partnership with Servicing and Special Assets
- Approve modifications, waivers, consents, and extensions on existing solar and renewable energy loans within individual authority
- Contribute to solar and renewable energy credit policy, underwriting standards, and concentration monitoring, and prepare portfolio reporting for senior management, the Board, and regulators
- Conduct site visits to operating and under-construction projects
- Support loan production while ensuring compliance with all applicable risk policies, procedures, and mitigants
- Contribute to the collaborative process that aims to produce sound credit decisions and add appropriately structured loans to support the Bank’s growth and loan generation goals
- Work cross-functionally with departments involved in loan production to ensure smooth execution
- Assist with broader Credit Team functions (credit training, board reports, credit policy maintenance, and participation in the Commercial Finance Credit Committee)
- As capacity allows, support loan transactions and portfolio activities across other Commercial Bank lending verticals, including Seniors Housing, ABL/GovCon, Sponsor Finance, Venture Banking, and broader Energy & Infrastructure
- Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
Required Experience
- 7+ years of solar and renewable energy credit experience, including financial analysis, underwriting, structuring, and credit approval of project-level and portfolio financings
- Demonstrated experience decisioning or recommending credit approvals on solar and renewable energy transactions, including construction and term financings
- Working knowledge of solar and renewable energy project documents (PPAs, interconnection agreements, EPC and O&M contracts, independent engineer reports, and tax equity and tax credit transfer structures) and the financial models used to size project debt
- Experience managing a renewable energy loan portfolio, including risk rating, covenant monitoring, and problem loan resolution
- Strong understanding of the Bank’s policies, procedures, and criteria
- Strong written and verbal communication skills, including presenting credit recommendations to committee
- Commercial lending and sales experience; exposure to other Commercial Bank verticals (commercial real estate, sponsor finance, venture banking, or ABL) and to USDA or SBA guaranteed lending programs is a plus
Our Values
Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
Respect: Treat everyone with courtesy, politeness, and kindness.
Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more
For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at HumanResources@liveoak.bank.
EEO is the Law
The base pay range for this position is $190,180.00 - $262,140.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.
About Us
Live Oak Bank is a digital bank for small business owners across the country. Our goal is to be America’s Small Business Bank, and we’re getting there by pairing exceptional service with smart technology. We support owners at every stage with products:
- loans to buy, build, and expand
- checking and merchant services to keep daily operations moving
- high-yield savings and CDs to grow the money they’ve worked hard to earn
Our people are the heart of Live Oak. We take care of each other here, and that care carries over to how we serve our customers. If you want to help small business owners chase the American dream, we’d love to meet you.
How This Role Impacts Live Oak and its People
The Senior Credit Officer, Commercial (Solar & Renewable Energy) is the embedded credit officer for the Bank’s solar and renewable energy lending team. This role approves solar and renewable energy credit requests within individual loan authority, adhering to Bank policies and Government program guidelines, and serves as the primary credit partner to Energy & Infrastructure bankers and underwriters from early deal structuring through approval, closing, construction, and ongoing portfolio management. They lead the credit review of the Bank’s solar and renewable energy portfolio to help prevent or reduce loan losses. Responsibilities include verifying that documentation aligns with loan approvals and regulatory requirements, identifying early signs of project, sponsor, or counterparty deterioration, and ensuring compliance with policy objectives. As capacity allows, this role also supports loan transactions and portfolio activities across other Commercial Bank lending verticals.
Location Preference: This position is ideally based in Wilmington, NC; however, remote designations may be considered for qualified candidates.
What You’ll Do at Live Oak
- Serve as the embedded credit officer for the solar and renewable energy lending team, engaging with bankers and underwriters early in the deal process to shape structure, terms, and risk mitigants before transactions reach approval
- Approve solar and renewable energy credit requests within individual authority, adhering to Bank and regulatory guidelines (FDIC, SBA, and USDA), and present larger or more complex transactions to the Commercial Finance Credit Committee and senior credit leadership
- Provide subject matter expertise on solar and renewable energy projects and financing structures, including utility-scale, community solar, commercial and industrial (C&I), and battery energy storage (BESS) projects across construction, term, bridge, and tax credit related financings
- Evaluate project economics and revenue quality, including PPA, offtake, and community solar subscription contracts, merchant and REC exposure, independent engineer reports, energy production estimates (P50/P99), degradation and availability assumptions, and debt sizing and DSCR sculpting
- Assess sponsor, developer, EPC, and O&M counterparty strength, along with construction completion risk, interconnection and permitting status, equipment supply and warranty coverage, and tax credit (ITC/PTC) eligibility, transferability, and recapture considerations in light of evolving federal tax, tariff, and trade policy
- Oversee the credit aspects of construction lending and conversion to term, including draw review, milestone and COD tracking, and satisfaction of conversion conditions, in partnership with construction risk and servicing teams
- Own credit oversight of the solar and renewable energy portfolio, including monitoring project performance against base case, covenant and reserve compliance, annual reviews, and accurate risk ratings
- Identify early warning signs on solar and renewable energy credits and lead resolution strategy on watch list and troubled loans in partnership with Servicing and Special Assets
- Approve modifications, waivers, consents, and extensions on existing solar and renewable energy loans within individual authority
- Contribute to solar and renewable energy credit policy, underwriting standards, and concentration monitoring, and prepare portfolio reporting for senior management, the Board, and regulators
- Conduct site visits to operating and under-construction projects
- Support loan production while ensuring compliance with all applicable risk policies, procedures, and mitigants
- Contribute to the collaborative process that aims to produce sound credit decisions and add appropriately structured loans to support the Bank’s growth and loan generation goals
- Work cross-functionally with departments involved in loan production to ensure smooth execution
- Assist with broader Credit Team functions (credit training, board reports, credit policy maintenance, and participation in the Commercial Finance Credit Committee)
- As capacity allows, support loan transactions and portfolio activities across other Commercial Bank lending verticals, including Seniors Housing, ABL/GovCon, Sponsor Finance, Venture Banking, and broader Energy & Infrastructure
- Maintain a high standard of regulatory awareness including BSA, AML, CIP, and OFAC
Required Experience
- 7+ years of solar and renewable energy credit experience, including financial analysis, underwriting, structuring, and credit approval of project-level and portfolio financings
- Demonstrated experience decisioning or recommending credit approvals on solar and renewable energy transactions, including construction and term financings
- Working knowledge of solar and renewable energy project documents (PPAs, interconnection agreements, EPC and O&M contracts, independent engineer reports, and tax equity and tax credit transfer structures) and the financial models used to size project debt
- Experience managing a renewable energy loan portfolio, including risk rating, covenant monitoring, and problem loan resolution
- Strong understanding of the Bank’s policies, procedures, and criteria
- Strong written and verbal communication skills, including presenting credit recommendations to committee
- Commercial lending and sales experience; exposure to other Commercial Bank verticals (commercial real estate, sponsor finance, venture banking, or ABL) and to USDA or SBA guaranteed lending programs is a plus
Our Values
Dedication: Possess a deep commitment to Live Oak Bank’s mission and core values, exemplified through a strong work ethic, adaptability and pride in your work.
Ownership: Take initiative to deliver positive results by proactively and creatively solving problems, while maintaining a high degree of quality.
Respect: Treat everyone with courtesy, politeness, and kindness.
Innovation: Embrace fresh ideas and fearlessly contribute new solutions to emerging or existing problems.
Teamwork: Foster collaboration, accountability, and trust with others and understand that together, we do more
For a detailed overview of our employee benefits please visit: http://www.liveoakbank.com/careers/
Live Oak Bank is an Affirmative Action and Equal Opportunity Employer, Minorities/Women/Veterans/Disabled. We consider applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, genetic information, veteran status or disability. Equal access to programs, service and employment is available to all persons. Those applicants requiring reasonable accommodation to the application and/or interview process should notify human resources at HumanResources@liveoak.bank.
EEO is the Law
The base pay range for this position is $190,180.00 - $262,140.00 per year. Compensation may also include annual bonuses and long-term incentives, subject to various metrics and company policy. A candidate’s salary is determined by several factors including travel, relevant work experience or skills and expertise.Please note that we provide at least the minimum requirement of paid sick leave to our employees who reside in states that require employer-paid sick leave, including but not limited to Arizona, California, Colorado, District of Columbia, Maine, Maryland, Massachusetts, Michigan, Nevada, New Jersey, New Mexico, New York, Oregon, Rhode Island, Vermont, and Washington.
See All 53 Credit Officer Jobs
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Find Credit Officer JobsCredit Officer Job Market
Who's Hiring
- JPMorganChase21
- Bank of America6
- Deutsche Bank3
- BMO Financial2
- BBVA1
Top Industries Hiring
- Banking & Financial Services
What Employers Look For
The qualifications that appear most often in credit officer jobs.
- Bachelor's degree in finance, accounting, economics, or a related business field
- Experience analyzing commercial or consumer loan applications and financial statements
- Proficiency in financial spreading software and loan origination systems
- Knowledge of credit underwriting standards, regulatory requirements, and risk rating models
- Strong written communication skills for preparing credit memos and approval packages
- Professional certification such as the Credit Business Associate or Credit Business Fellow designation
Tips for Your Credit Officer Job Search
Quantify your credit decision outcomes
Hiring managers want to see your approval and default rates, not just your job duties. Pull numbers from your portfolio reviews, loan volume managed, and loss ratios to show you make decisions that hold up over time.
Tailor your resume to the loan type
Commercial, consumer, and agricultural credit officers use different underwriting models and risk frameworks. Match your resume's language to the specific loan type in each posting so your experience reads as directly relevant, not generic lending background.
Target postings that name your credit software
Many credit officer roles require fluency in specific spreading software like Moody's CreditLens or Baker Hill. Search for openings that name the tools you already use, since software familiarity speeds up hiring decisions at most institutions.
Apply early to roles that fit
Migrate Mate lists credit officer openings from across the United States in one place, so you can find roles that match and apply directly to each listing.
Prepare for a live credit case interview
Many credit officer interviews include an on-the-spot financial analysis exercise. Practice spreading a set of business financials, writing a brief credit memo, and defending your approval or denial recommendation under time pressure before your first interview.
Negotiate using your credit authority tier
Credit officers with delegated approval authority up to a specific dollar threshold command higher base pay than those requiring committee sign-off. Know your current authority level and use it as a concrete benchmark when discussing compensation with a new employer.
Credit Officer Jobs: Frequently Asked Questions
Which companies are hiring the most credit officers?
JPMorganChase, Bank of America, and Deutsche Bank are hiring the most credit officers right now, with openings concentrated in New York, Texas, and Illinois, based on current listings on Migrate Mate as of November 2026. Regional banks and credit unions account for a large share of active postings alongside national lenders.
How many credit officer jobs are remote?
About 50% of credit officer openings are fully remote or hybrid as of November 2026, with remote work most common in consumer and mortgage underwriting roles where borrower interaction is handled digitally. Commercial credit officers who manage ongoing client relationships are more likely to be required on-site.
How do you become a credit officer?
Start with a bachelor's degree in finance, accounting, or economics, then build foundational experience as a credit analyst or loan processor where you learn to spread financials and apply underwriting guidelines. Earning a recognized credit certification strengthens your candidacy, and moving into a credit officer role typically follows demonstrated accuracy in independent credit assessments and consistent portfolio performance.
Can you get a credit officer job with little or no experience?
Entry-level credit officer roles do exist, particularly at community banks and credit unions that hire recent graduates into junior positions with structured training programs. Internships in banking, coursework in financial statement analysis, and a strong understanding of credit risk fundamentals help you compete. Some institutions will also promote experienced tellers or loan processors who complete internal credit training programs into junior credit officer positions.
What does the credit officer interview process look like?
The process typically starts with a phone screen covering your lending background and familiarity with the institution's loan products. A panel interview with the credit manager and sometimes a senior loan officer follows, often including a written or verbal case exercise where you analyze a set of financials and defend a credit recommendation. Final-round interviews may involve a conversation with a branch or regional manager before an offer is extended.
Where can I find and apply to credit officer jobs?
You can find and apply to credit officer jobs on Migrate Mate, which lists current openings from across the United States. Search for roles that match your lending background and experience level, then apply directly to each listing that fits your qualifications.
See All 53 Credit Officer Jobs
Find roles that match your experience and apply in just a few clicks.
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