Credit Officer Jobs in USA with Visa Sponsorship
Credit Officer roles qualify for H-1B visa sponsorship as a specialty occupation requiring a finance, economics, or accounting degree. Employers in banking, credit unions, and commercial lending actively file LCAs with DOL. No lottery exemptions apply, but the annual cap and standard three-year initial status are typical for this path.
Find Credit Officer JobsOverview
Showing 5 of 44+ Credit Officer jobs
See all 44+ Credit Officer Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Officer roles.
Get Access To All JobsAbout Farm Credit Illinois
Farm Credit Illinois (FCI) is an agricultural financial cooperative owned by more than 17,400 farmers, rural landowners, and agribusiness voting stockholders in the southern 60 counties of Illinois. Dedicated to Helping Farm Families Succeed, FCI provides competitive and flexible financing, crop insurance expertise, and Rural 1st® country life lending. FCI manages an $8 billion loan portfolio, sells 1.5 million acres of crop insurance coverage, and employs approximately 300 staff in the Mahomet headquarters and 14 regional offices. The U.S. Farm Credit System is a network of locally owned cooperatives supporting rural communities, farm families, and agriculture with reliable, consistent credit and financial services today and tomorrow.
Why Join Us
- Competitive compensation package. Grade and salary commensurate with experience, with an annualized base salary range of COMPENSATION.RANGE plus a bonus based on team and individual performance. This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting.
- Comprehensive benefit package includes 401(k) with 3% employer contribution and 6% employer match, vacation days, sick days, 13 paid holidays, parental leave, and volunteer leave, along with medical, dental, vision, and life insurance as further described at https://www.farmcreditfoundations.com/fcfbenefits/
- Professional development and career growth opportunities.
- Opportunity to work for a reputable and community-focused financial institution dedicated to a positive, collaborative work environment that encompasses the association’s mission to serve our members and the agricultural industry as we strive to help farm families succeed.
The Role
The Senior Credit Officer provides advanced credit analysis, underwriting expertise, and loan decisioning support for large and complex credit relationships. This role partners closely with lending teams to evaluate risk, structure financing solutions, support sound credit administration, and help maintain a high-quality loan portfolio while serving as a technical credit resource across the Association.
What You Will Contribute
- Analyze and underwrite large and complex loan requests by evaluating financial information, assessing risk, determining eligibility, and developing comprehensive credit recommendations.
- Apply the 5 C’s of Credit, financial projections, collateral analysis, and risk assessment tools to support sound lending decisions and appropriate loan structures.
- Serve as a trusted credit resource by partnering with lending teams, supporting credit administration, evaluating lending standards, and providing technical expertise on complex credit matters.
- Participate in Credit Services Division and Association Loan Committees by evaluating loan opportunities, determining appropriate structures and terms, and making loan approval recommendations and decisions within delegated authority.
- Develop written credit narratives, loan servicing plans, covenant recommendations, and troubled debt restructuring evaluations to support portfolio quality and risk management.
- Provide credit training and guidance to lending staff while contributing to process improvement initiatives and enhancing underwriting consistency across the Association.
- Monitor industry, agricultural, and economic trends and leverage those insights to strengthen underwriting decisions and portfolio risk management.
What We Are Looking For
Required Skills
- Expert knowledge of credit analysis, underwriting principles, and regulatory requirements.
- Understanding of production agriculture, finance, and macroeconomic factors that influence lending and credit decisions.
- Advanced analytical and decision-making skills with the ability to evaluate complex information, identify key risks, and exercise sound judgment.
- Proficiency with Microsoft Excel and technology tools to support efficient analysis, reporting, and workflow management.
- Strong verbal and written communication skills.
Minimum Qualifications
- Bachelor’s degree in finance, agriculture, business, or a related field.
- 5 years of related experience in credit analysis or underwriting.
- or an equivalent combination of education and experience sufficient to perform the essential functions of the role.
Farm Credit Illinois is an Equal Employment / Affirmative Action employer. We do not discriminate in hiring based on any characteristic protected by law.
If you need a reasonable accommodation during any part of the employment process, please contact careers@farmcreditIL.com. Requests will be reviewed on a case-by-case basis.
About Farm Credit Illinois
Farm Credit Illinois (FCI) is an agricultural financial cooperative owned by more than 17,400 farmers, rural landowners, and agribusiness voting stockholders in the southern 60 counties of Illinois. Dedicated to Helping Farm Families Succeed, FCI provides competitive and flexible financing, crop insurance expertise, and Rural 1st® country life lending. FCI manages an $8 billion loan portfolio, sells 1.5 million acres of crop insurance coverage, and employs approximately 300 staff in the Mahomet headquarters and 14 regional offices. The U.S. Farm Credit System is a network of locally owned cooperatives supporting rural communities, farm families, and agriculture with reliable, consistent credit and financial services today and tomorrow.
Why Join Us
- Competitive compensation package. Grade and salary commensurate with experience, with an annualized base salary range of COMPENSATION.RANGE plus a bonus based on team and individual performance. This range is a good-faith and reasonable estimate of the range of possible compensation at the time of this posting.
- Comprehensive benefit package includes 401(k) with 3% employer contribution and 6% employer match, vacation days, sick days, 13 paid holidays, parental leave, and volunteer leave, along with medical, dental, vision, and life insurance as further described at https://www.farmcreditfoundations.com/fcfbenefits/
- Professional development and career growth opportunities.
- Opportunity to work for a reputable and community-focused financial institution dedicated to a positive, collaborative work environment that encompasses the association’s mission to serve our members and the agricultural industry as we strive to help farm families succeed.
The Role
The Senior Credit Officer provides advanced credit analysis, underwriting expertise, and loan decisioning support for large and complex credit relationships. This role partners closely with lending teams to evaluate risk, structure financing solutions, support sound credit administration, and help maintain a high-quality loan portfolio while serving as a technical credit resource across the Association.
What You Will Contribute
- Analyze and underwrite large and complex loan requests by evaluating financial information, assessing risk, determining eligibility, and developing comprehensive credit recommendations.
- Apply the 5 C’s of Credit, financial projections, collateral analysis, and risk assessment tools to support sound lending decisions and appropriate loan structures.
- Serve as a trusted credit resource by partnering with lending teams, supporting credit administration, evaluating lending standards, and providing technical expertise on complex credit matters.
- Participate in Credit Services Division and Association Loan Committees by evaluating loan opportunities, determining appropriate structures and terms, and making loan approval recommendations and decisions within delegated authority.
- Develop written credit narratives, loan servicing plans, covenant recommendations, and troubled debt restructuring evaluations to support portfolio quality and risk management.
- Provide credit training and guidance to lending staff while contributing to process improvement initiatives and enhancing underwriting consistency across the Association.
- Monitor industry, agricultural, and economic trends and leverage those insights to strengthen underwriting decisions and portfolio risk management.
What We Are Looking For
Required Skills
- Expert knowledge of credit analysis, underwriting principles, and regulatory requirements.
- Understanding of production agriculture, finance, and macroeconomic factors that influence lending and credit decisions.
- Advanced analytical and decision-making skills with the ability to evaluate complex information, identify key risks, and exercise sound judgment.
- Proficiency with Microsoft Excel and technology tools to support efficient analysis, reporting, and workflow management.
- Strong verbal and written communication skills.
Minimum Qualifications
- Bachelor’s degree in finance, agriculture, business, or a related field.
- 5 years of related experience in credit analysis or underwriting.
- or an equivalent combination of education and experience sufficient to perform the essential functions of the role.
Farm Credit Illinois is an Equal Employment / Affirmative Action employer. We do not discriminate in hiring based on any characteristic protected by law.
If you need a reasonable accommodation during any part of the employment process, please contact careers@farmcreditIL.com. Requests will be reviewed on a case-by-case basis.
See all 44+ Credit Officer Jobs
Sign up for free to unlock all listings, filter by visa type, and get alerts for new Credit Officer roles.
Get Access To All JobsTips for Finding Credit Officer Jobs
Align your degree to the role
Specialty occupation status depends on your degree field matching credit analysis directly. A finance, economics, accounting, or business administration degree works. A general arts degree won't, even with years of credit experience behind it.
Target commercial banks over fintechs
Regional and national commercial banks have established immigration counsel and repeat LCA filing history. Fintech startups often lack the HR infrastructure to sponsor visas, making the process slower and riskier for you as a candidate.
Search verified sponsors on Migrate Mate
Use Migrate Mate to find employers with confirmed LCA filing history for Credit Officer roles. This saves you from applying to employers who've never sponsored and won't start for a single hire.
Get your prevailing wage tier confirmed early
Credit Officer roles span multiple wage levels under DOL's OFLC Wage Search, depending on experience and geography. Ask your employer to confirm which level applies before the LCA is filed, since a Level I wage at a high-cost market can complicate your offer negotiations.
Prepare a credential evaluation for foreign degrees
If you completed your degree outside the U.S., USCIS will assess its equivalency to a U.S. bachelor's. Get a credential evaluation from a NACES-member organization before the petition is filed to avoid an RFE delaying your start date.
Clarify the PERM timeline if you want a green card
Credit Officer roles are PERM-eligible under EB-2 or EB-3. Ask during the offer stage whether the employer has a policy on sponsoring permanent residence, since PERM requires a full labor market test and takes 12 to 18 months before the I-140 is even filed.
Frequently Asked Questions
Does a Credit Officer role qualify as a specialty occupation for H-1B purposes?
Yes. USCIS recognizes Credit Officer as a specialty occupation when the position requires at least a bachelor's degree in finance, accounting, economics, or a related field. The employer must demonstrate this requirement in the LCA and I-129 petition. Roles that accept any degree, or substitute extensive experience for a degree, are more likely to receive an RFE challenging specialty occupation status.
Which visa types are realistic for Credit Officer roles?
H-1B is the most common path for Credit Officers. Canadian and Mexican nationals can use TN visa status under the economist or accountant categories if the role fits those definitions, though standard credit analysis may not qualify cleanly. Australian nationals can apply for the E-3 visa, which has the same specialty occupation requirement as H-1B but no lottery. F-1 students in finance or accounting programs can bridge through OPT or STEM OPT if the degree is STEM-designated.
How do I find Credit Officer jobs that offer visa sponsorship?
Search Migrate Mate to find Credit Officer roles at employers with verified LCA filing history. This shows you which companies have already sponsored workers in similar roles, so you're not starting a conversation with an employer who has no sponsorship process in place.
Will my foreign finance degree satisfy the specialty occupation requirement?
It can, but USCIS will evaluate whether it's equivalent to a U.S. bachelor's in a relevant field. A credential evaluation from a NACES-member organization is typically required when the degree is from outside the U.S. A three-year bachelor's from countries like Australia, India, or the UK can qualify if the evaluation confirms equivalency to a four-year U.S. degree in finance or a related discipline.
Can a Credit Officer on H-1B pursue a green card through the same employer?
Yes. H-1B allows dual intent, meaning you can pursue permanent residence while maintaining valid nonimmigrant status. Credit Officer roles typically qualify under EB-2 with an advanced degree or exceptional ability, or under EB-3 as a skilled worker. The employer files a PERM labor certification with DOL first, which involves advertising the position to demonstrate no qualified U.S. workers are available. Priority date backlogs apply to applicants born in India and China.
What is the prevailing wage requirement for sponsored Credit Officer jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.