Chief Credit Officer

Job Description

Job Description

We are looking for an experienced Chief Credit Officer to join our team. This position focuses on guiding commercial credit analysis and underwriting activities while partnering closely with lending and operations teams to support sound portfolio decisions. The ideal candidate brings strong financial judgment, a practical approach to risk evaluation, and the ability to coach others in a fast-paced banking environment.

Responsibilities:
• Lead the review and underwriting of commercial loan opportunities, evaluating financial performance, collateral support, and repayment capacity.
• Partner with lenders to interpret borrower financial information, identify key risk considerations, and recommend appropriate credit structures.
• Contribute to credit decisioning by presenting analysis and issuing recommendations within authorized approval limits.
• Work with loan operations teams to clarify deal terms and resolve questions related to loan structure and documentation.
• Support the assessment of prospective lending products and specialized market segments by providing analytical insight and risk perspective.
• Prepare ad hoc analyses and deliver decision support for special assignments and business requests.
• Provide guidance and day-to-day coaching to credit analysts to strengthen underwriting quality and skill development.
• Collaborate with lending teams on training efforts, concept discussions, and credit reviews for complex or unique loan requests.• At least 5 years of experience in commercial credit analysis, ideally within a bank or commercial finance environment.
• Bachelor’s degree in finance, accounting, economics, business, banking, or a closely related field.
• Strong foundation in financial statement analysis, commercial underwriting, and credit risk assessment.
• Ability to manage competing priorities, adjust quickly to changing demands, and deliver accurate work under deadlines.
• Clear written and verbal communication skills with the confidence to explain and defend credit recommendations.
• Sound judgment and accountability when balancing growth objectives with appropriate risk and return considerations.
• Proven ability to build effective working relationships across credit, lending, operations, and leadership teams.