Credit Officer
About the job
- At least 5 years of proven experience in a lending and/or credit capacity in a financial institution.
- A bachelor's degree with an emphasis in business, accounting, or finance, together with formal bank credit training.
- Hands-on experience with lending procedures and products.
- Ability to create and process financial spreadsheets.
- Strong analytical skills.
- Strong customer service skills.
- Respectful interactions with employees, regional and executive management, and the Board of Directors.
- Ability to travel as needed to outside markets.
- Propose and/or champion all deals during term sheet and rump sessions to the Chief Credit Officer and Senior Credit Officer.
- Underwrite new loans, renewals, modifications, and annual reviews, and maintain sole responsibility for the Market and Divisional Larger Borrower report.
- Exercise co-lending authority with the Market President and Senior Credit Officer.
- Pull personal and corporate credit bureaus and Office of Foreign Assets Control reports.
- Carry lending relationships graded Watch or Worse and present and administer Watch or Worse reports.
- Assist the Chief Credit Officer and Senior Credit Officer with policy and procedure writing for the lending and credit functions of the bank.
- Ensure Bank Secrecy Act compliance by following the Bank Secrecy Act/anti-money laundering/Office of Foreign Assets Control policies and procedures and completing related training.
- Perform other tasks, responsibilities, or duties as directed by management.
- An MBA.
About the company
Cogent Bank offers banking services for individuals and businesses, helping clients reach their financial goals through tailored financing options, savings products, and a focus on a high-quality customer experience. Its products are delivered via online and mobile banking, in-branch support, and dedicated relationship teams, with customizable financial solutions designed to fit each client’s needs. The bank differentiates itself by prioritizing a strong customer experience, the use of technology to streamline banking, and personalized, needs-based financial planning rather than one-size-fits-all products. The goal is to provide secure, convenient, and customized financial services that help clients achieve their financial objectives.
Company Size
201-500
Company Stage
Debt Financing
Total Funding
$22.5M
Headquarters
Orlando, Florida
Founded
2018
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Simplify's Take
What believers are saying
- Q2 2026 assets reached $2.45 billion, up from earlier 2025 levels.
- July 2026 call data showed $2.19 billion deposits and $27.1 million net income.
- August 2026 branch and startup-partner expansion supports fee income and deposit gathering.
What critics are saying
- Florida concentration leaves Cogent exposed if Orlando and Jacksonville deal flow slows in 2026.
- Mid-sized balance sheet and $243.5 million equity limit shock absorption against credit deterioration.
- A failed expansion into advisory services would dilute management focus and stall loan growth.
What makes Cogent Bank unique
- Cogent Bank pairs commercial banking with Everpath Partners' M&A advisory after January 2026 investment.
- Cogent Bank targets Florida growth while serving startups through Embarc Collective partnership in August 2026.
- Cogent Bank specializes in commercial lending, with 10 offices and $2.45 billion assets.
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Benefits
Professional Development Budget
Performance Bonus
Growth & Insights and Company News
6 month growth
↑ 18%1 year growth
↑ 18%2 year growth
↑ 17%Everpath Partners and Cogent Bank announced a strategic agreement and minority investment aimed at expanding middle-market banking and advisory services nationwide.
BlockSpaces relationship with Cogent Bank allows their blockchain-backed company to bank with ease. TAMPA, Fla., June 23, 2022 /PRNewswire/ -- BlockSpaces, a B2B integration platform that connects business applications to blockchain networks, today announce their banking relationship with Cogent Bank, a full-service commercial and retail bank. The announcement was made at the Florida Bankers Association (FBA), one of Florida's oldest trade associations since 1888, annual meeting in Orlando, Florida
Tassat Group Inc is pleased Cogent Bank has selected Tassat to provide the platform to facilitate secure, instantaneous, real-time payments using a private blockchain and look forward to partnering as it serves its B2B customers.”
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