Chief Credit Officer

The client is seeking a Chief Credit Officer to lead and support all credit department operations. This role provides guidance across credit policy and credit performance and serves as a key member of bank leadership. The Chief Credit Officer will participate in various committees, including an Officer’s Loan Committee and a Pricing Committee, and will help align credit activities with overall lending objectives set by senior management and the board. Core responsibilities include managing credit policy and credit performance across commercial real estate, CandI, and SBA credit exposures, and leading a credit team responsible for loan products, policies, and procedures that maintain lending portfolio quality. The role oversees high-quality credit analysis for individual loans, portfolio stress testing, and monthly allocations to the Loan Loss Reserve (ALLL/CECL), and provides recommendations on the structure, terms, and pricing of larger and more complex loans to help limit undue credit risk. The Chief Credit Officer will support loan audits and regulatory examinations, review and present loan quality trends, growth indicators, and concentration information, and collaborate with the team to assess economic trends and their potential impact. Additional duties include managing portfolio stress testing using the bank’s primary loan origination system, ensuring appropriate risk ratings for loan approvals, supervising special assets activities (including curing weak credits and managing collections), presenting required reporting to the board (including ALLL/CECL and graded loan information), and supporting SBA relationship management where strategically beneficial. The role typically requires a bachelor’s degree or equivalent and at least ten years of related experience in financial/credit analysis and lending, including management experience, with strong CandI lending background; loan workout and SBA experience and completion of formal bank management or financial industry education are preferred. Confidential