Credit Risk Specialist at Wilson Bank Trust

Lebanon, Tennessee, United States -

Full Time

Start Date

Immediate

Expiry Date

21 Sep, 26

Salary

0.0

Posted On

23 Jun, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Commercial Credit, Commercial Underwriting, Risk Rating Systems, Portfolio Management, Regulatory Compliance, Microsoft Excel, Analytical Skills, Critical Thinking, Problem Solving, Financial Analysis, Communication Skills, Interpersonal Skills, Time Management, Organization, Confidentiality, Presentation Skills

Industry

Banking

Description

Credit Risk Specialist Location: Lebanon, TN If you’re looking for a career where purpose meets opportunity, and where your contributions truly make a difference, Wilson Bank & Trust is the place for you. ABOUT US Working at Wilson Bank & Trust means joining a purpose-driven organization where community impact and professional growth go hand in hand. The commitment to serving communities is matched by dedication to supporting employees—through recognition, rewards, and opportunities to grow. Inside our walls, you’ll find a workplace that reflects the same trusted reputation we’ve built since the beginning. Collaboration and servant leadership are at the heart of everything we do, creating an environment where talent is valued and service is elevated. Your voice matters here—feedback drives decisions on workplace flexibility, transparency, and strategic priorities. ABOUT THE POSITION The Connective Force Picture yourself as the lifeblood that ties everything together—the communicator, the problem-solver, the bridge between operational teams. In these roles, you handle urgent calls, craft solutions, and ensure that every signal flows correctly so customers receive the right answers at the right time. You’re the one who steps in when things get tough, the superhero who keeps the mission on track. If you love variety, collaboration, and the occasional customer interaction, this is your stage. You’ll work across teams, solve challenges with a smile, and make sure the entire organization moves as one. Position Summary The Credit Risk Specialist II is responsible for the ongoing monitoring, identification, and reporting of credit risk across the loan portfolio. This position confirms that risk ratings remain accurate over the life of the credit and verifies that emerging issues are identified and escalated. The Credit Risk Specialist II reports to the Chief Credit Officer and provides excellent service and support to team members and customers while demonstrating the Company’s values and supporting the mission. Position Duties & Responsibilities * Responsible for the monitoring, identification, and reporting of credit risk across the loan portfolio * Monitor borrower performance, collateral condition, and loan structure on an ongoing basis * Assess reasonableness of existing risk ratings and identify delayed downgrades * Identify emerging risks, adverse trends and portfolio concentrations. Prepare executive summaries that include evidence-based insights and recommendations. * Escalate material credit concerns in a timely manner * Assist with development and monitoring of corrective action plans * Evaluate covenant compliance and monitor effectiveness * Monitor and maintain the credit watch list * Verify departmental documents and activities are compliant with applicable laws, regulations, policies and procedures * Maintain strong internal controls and examination readiness within the credit risk function * Partner with Chief Credit Officer to prepare responses to recommendations resulting from audits and examinations * Identify opportunities for process improvement to enhance efficiency, documentation quality, and exam readiness * Maintain professional and technical knowledge by attending educational workshops, reviewing professional publications, and establishing personal networks * Attend training as requested * Adhere to compliance with all federal bank regulations and laws, including those for consumer protection and the Bank Secrecy Act/Anti-Money Laundering Program * Participate in outside community activities as required * Perform other duties as assigned Required Qualifications * Bachelor’s degree in finance, accounting, or related field * 3 years of experience in commercial credit with previous banking experience preferred * Strong knowledge of commercial underwriting (CRE, C&I, construction) * Experience with risk rating systems and portfolio management * Knowledge of regulatory expectations and examiner standards * Advanced skills with Microsoft Office to include Excel * Ability to apply technical knowledge and expertise to department policies and procedures * Ability to work on multiple projects simultaneously while accomplishing daily tasks * Effective verbal and written communication skills with strong presentation skills * Excellent interpersonal skills * Critical thinking, problem solving and analytical skills * High standards for integrity, honesty, professionalism, and work ethic * Commitment to service excellence * Ability to work independently while demonstrating excellent organization and follow through * Demonstrate flexible and efficient time management and ability to prioritize workload * Ability and willingness to work with purpose and a strong sense of urgency * Self-motivated, positive, and enthusiastic * Self-starter with a strong desire to exceed expectations * Maintain confidentiality discretion * Ability to effectively work in collaboration with others to achieve business objectives * Willing to grow and be challenged COMPREHENSIVE BENEFITS & RECOGNITION We believe success should be acknowledged and celebrated. That’s why we offer an all-inclusive total compensation package, including generous ATO, personal days, sick time, along with unique offerings such as the ability to combine accrued time with short-term disability for 100% pay, and more. Our Employee Assistance Program and Employee Care Fund provide additional support when you need it most. We celebrate achievements through peer-nominated award ceremonies and an interactive digital rewards platform, ensuring employees’ contributions are recognized companywide. GROW WITH US “Grow With Us” is more than a slogan—it’s an invitation. Whether partnering with local schools to teach the next generation hands-on financial life lessons through School Bank, exploring diverse career paths through our Banker Academy Program, or investing in yourself through our Employee Stock Purchase program, you’ll find opportunities tailored to your interests and ambitions while working for WBT. We invest heavily in development through mentorships, workshops, banking schools, and certifications because when our people grow, our customers thrive.

Responsibilities

Responsible for monitoring, identifying, and reporting credit risk across the loan portfolio to ensure accurate risk ratings. The role involves assessing borrower performance, identifying emerging risks, and ensuring compliance with banking laws and regulations.