Regional Credit Officer

Regional Credit Officer

The Regional Credit Officer executes credit risk management strategies and policies for an assigned geographic region, ensuring credit quality, sound deal structures, and compliance with bank policy. This role reviews and approves credit requests across all loan types within the region, partners closely with lending teams, and provides guidance on structuring, pricing, and risk mitigation. The Regional Credit Officer serves as a key risk steward, supporting portfolio performance and consistent credit standards.

Responsibilities

• Oversees the regional loan portfolio, including monitoring concentrations, emerging risks, portfolio trends, and overall credit quality to ensure alignment with the bank's risk appetite.
• Utilizes financial statement analysis, company and industry information, and client conversations to identify risk on loans and mitigate; recommends cross-sell opportunities and pre-approvals. Documents declines, including any related discussion pertinent to the decision.
• Partners with relationship management team (relationship managers, portfolio managers, credit analysts) to provide feedback on proper loan structuring and pricing to ensure long-term asset quality.
• Works with the lending team to ensure that new and existing loans are properly documented, compliant to regulation, properly structured and lien positions are appropriately perfected.
• Participate in customer calls and prepare client presentation materials as requested by relationship management team. Provide credible challenge and constructive feedback on client selection.
• Approve or reject loans within delegated authority and approved risk limits including where difficult questions of policy or credit risk may be involved.
• Participates in various meetings, such as loan committee meetings, portfolio reviews, asset quality meetings, etc. to ensure credit standards are following across the assigned portfolio.
• Provide guidance to the credit and lending staff on the interpretation of current, new and pending laws, regulations and industry changes that affect the organization's credit practices and regulatory exposure.
• Keeps the Senior Credit Officers, Chief Credit Officer and lending leadership informed of any material considerations affecting the loan portfolio, loan policy, regulatory compliance and performance of managed portfolio.
• Recommends any updates and changes to the Bank's credit procedures to protect the asset quality of the bank and to create operational efficiencies.
• Actively participates in and completes all assigned training and development sessions/initiatives.
• Other duties as required.

Qualifications

• Bachelor's degree in Business or related field required. Accounting or Finance degree strongly preferred.
• Minimum 5 years of progressive experience in commercial credit analysis with exposure to various loan types, sizes, and complexities
• Demonstrated knowledge of credit administration and analysis, credit risk assessment as well as banking laws and regulations/regulatory requirements
• Ability to interface effectively and professionally with senior/executive level management.
• Proficient in the communication of technical information both verbally and in writing to both technical and non-technical audiences.
• Ability to travel in order to develop and maintain customer base and attend training/development sessions.
• Ability to work after Bank operating hours and/or on the weekend.
• Must have excellent judgement and decision-making skills with the ability to effectively resolve escalated concerns from the staff and stakeholders.
• Excellent PC skills, including word processing and spreadsheets via Microsoft Office products as well as custom applications and systems.
• Excellent analytical, time management, organizational and problem-solving skills with the ability to multi-task and work in a deadline-driven environment.
• Must be self-motivated with strong initiative, accountability, and attention to detail.

The above statements are intended to describe the general nature and level of work being performed by individuals in, or assigned to, the above position and are not intended to be construed as an exhaustive list of all responsibilities, duties and skills required, and may be changed at the discretion of the Company.

About Us

PlainsCapital Bank was founded in 1988 by a group of young bankers who dreamed of bringing relationship banking to their hometown of Lubbock, Texas. With the acquisition of Plains National Bank, a Lubbock financial institution with one branch and approximately $198.8 million in assets, they began growing the bank one relationship at a time.

Over 30 years later, PlainsCapital Bank has held fast to its tried-and-true relationship-based culture and its commitment to financial strength and stability. PlainsCapital Bank ranks sixth among the largest banks headquartered in Texas by deposits and has a statewide presence with approximately 55 locations in markets such as Austin, the Coastal Bend, Dallas, Fort Worth, Houston, Lubbock, the Rio Grande Valley, and San Antonio. Backed by decades of experience, our knowledgeable bankers are renowned for their straightforward approach and for taking exceptional care of their clients. They bring both financial and industry expertise along with vast local market knowledge to each client relationship.

PlainsCapital Bank conducts both commercial and consumer banking, providing a full suite of commercial banking products and services to fit any business model and convenient services, personal attention, and account features to help simplify managing personal finances.

PlainsCapital Bank continues to remain strong and stable, delivering highly personalized service and a single point of contact to help customers reach their financial goals.

To learn more, please visit us online at plainscapital.com/about.

Job Info

• Job Identification 31817
• Job Category Sales
• Posting Date 03/13/2026, 03:29 PM
• Job Schedule Full-Time
• Locations 2925 Richmond Ave, Houston, TX, 77098, US (On-site)
• Business Unit PlainsCapital Bank