2604-2 Chief Credit Officer

About the role

This position provides support in administrative areas and oversees the loan production process, ensuring credit quality through portfolio management, engaging in collection efforts, and creating and maintaining strong credit policies and procedures.

Responsibilities

• Oversee the loan production process
• Ensure credit quality through portfolio management
• Engage in collection efforts
• Create and maintain strong credit policies and procedures
• Collaborate with Regional Managers to screen loan opportunities and propose effective loan structures
• Maintain the necessary independence of the credit function
• Oversight and review of Pathway Lending’s loan portfolio on a continuing basis
• Assure loan documentation follows loan approvals
• Assist in the detection of deterioration of the loan portfolio and mitigation of loan losses
• Act under approved credit authority on loan applications
• Work with the Chief Lending Officer to ensure that Pathway’s Loan Policy is current and representative of the directions from the Board of Directors and leadership
• Create and implement strategic growth and lending goals across Tennessee
• Ensure the loan production process and portfolio management to ensure timely credit application decisions and strong portfolio quality and performance
• Manage loan portfolio to assess credit risk and report or recommend actions to minimize or prevent credit losses
• Review statistical analysis on the loan portfolio to ascertain borrower characteristics and alignment with CDFI loan requirements and Pathway lending goals and mission
• Manage client relationships with larger credit exposures and perform analysis of large borrowers’ financial condition to assess credit risk and appropriate loan structure
• Drive ongoing credit process efficiencies through new technology implementations and process improvements
• Engage in collection activities and recommend actions to minimize or prevent credit losses and maximize loan repayments
• Engage in proactive credit restructures and new credit facilities
• Review and monitor credit policies and procedures to ensure they are sufficient to protect Pathway Lending from credit losses and are properly executed
• Ensure organization’s goals related to credit process and portfolio management are achieved, including loan origination, outstanding balance, and CDFI certification

Qualifications

• Strong analytical skills and customer service skills with clients, partners, stakeholders, and team members
• Firsthand experience with small business lending procedures and products
• Strong Microsoft Office skills including Adobe, and ability to navigate multiple computer systems, applications, and utilize search tools
• Strong attention to detail and accuracy, excellent written, communication and interpersonal skills, ability to interact with all levels of the organization, ability to meet or exceed business goals and objectives, while fostering a team atmosphere
• Ability to work without direct supervision, self-reliant, tactical as well as strategic thinker, and strong leadership skills are critical
• Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions
• Bachelor's Degree is required with Banking and Finance, Economics or related field preferred
• 10 + years of experience in job-related activities as a Credit Officer or Loan Officer is preferred
• Strong project management and process improvement skills are required
• Experience operating in Salesforce and Abrigo/Sageworks highly desired