Credit Officer I

High performers deserve a high-performance culture and a state-of-the-art headquarters. First American is proud to offer its colleagues outstanding compensation & benefits, including 401(k) match, a free on-site gym, paid parental leave, and subsidized childcare, and a flexible hybrid schedule, among many others. The Credit Officer plays a key role in evaluating, structuring, and underwriting commercial credit opportunities across a diverse portfolio.

This position   is responsible for   conducting detailed credit and financial analysis   – in cluding cash flow modeling, balance sheet evaluation, profitability assessment,   liquidity   and solvency analysis   – a nd delivering   well supported   credit recommendations. Credit Officers partner closely with   Sales and Operations stakeholders   to ensure that credit request s are   thoroughly   reviewed , properly documented, and aligned with   internal   risk appetite. This role supports the full credit lifecycle, from   initial   structuring through final approval, and contributes to ongoing portfolio   monitoring   to maintain strong credit quality.

Key Responsibilities

• Perform comprehensive underwriting   of   commercial credit requests   with moderate to advanced complexity , including financial statement analysis, cash flow   modeling , collateral evaluation, and risk rating assessments.
• Prepare clear, concise, and   well supported   credit   recommendations   outlining credit structure, risk considerations,   and   mitigants.
• Collaborate with   Sales and Operations stakeholders   to structure credit solutions that balance client needs with prudent risk management.
• Participate in due diligence activities, including industry research, borrower interviews, and review of legal and supporting documentation.
• Monitor existing credit relationships   for early i dentif ication and   escalat ion of   potential credit issues to ensure   timely   resolution and protect portfolio quality.
• Work   cross functionally   with Operations, Sales,   Finance   and other internal teams to support efficient credit processing and ensure alignment throughout the approval workflow.
• Contribute to continuous improvement of underwriting standards   and guidelines , credit processes, and risk management practices.

Qualifications

• Bachelor’s degree in Finance , Accounting, Business, Economics, or related field preferred; equivalent combination of education and experience considered.
• Three to 10   years of experience underwriting commercial credit, including analysis of   increasingly   complex borrowers and deal structure s,   commensurate   with experience .
• Strong analytical skills with the ability to interpret financial statements, assess risk, and form sound credit   recommendation .
• Excellent written and verbal communication skills, with the ability to present credit conclusions clearly and persuasively.
• Proven ability to manage multiple priorities, meet tight deadlines, and work effectively in a collaborative team environment.
• High attention to detail, strong organizational skills, and commitment to accuracy and thoroughness.
• Proficiency   with financial analysis tools, credit systems, and Microsoft Office applications. The role is structured to accommodate a range of experience levels   – fr om Senior Analysts   progressing in their careers to seasoned Credit Officers. Final title and compensation will reflect the candidate’s background and   expertise .

Compensation

The salary range for this position is $80,000 - $ 140 ,000. Eligible for annual performance bonus. We are hiring a limited number of professionals with a can-do attitude, who enjoy camaraderie, believe in excellence, and have an action orientation.

If you value being part of a highly empowered team and enjoy an environment that rewards innovation, hard work, and excellence—we would love to talk to you.