Chief Credit Officer

Essential Functions & Responsibilities

• Accountable for the overall management of the analysis, approval processes, administration, servicing, and review of all loan and credit accounts from multiple urban markets.
• Manage the bank's overall credit risk exposure and facilitate portfolio review and strategy.
• Develop, assess, and submit for annual approval all policies, plans, and procedures for loans and credit products.
• Ensure compliance with all policies and procedures governing credit activities.
• Provide leadership for Credit Administration.
• Lead efforts in Special Assets and Problem Loan Management.
• Act as a critical collaborative working partner with Loan Operations.
• Convene meetings for the Senior Loan Committee and Board Loan Committee.
• Approve or reject all credits exceeding specified policy limits.
• Recommend loans that have potential for presentation to the management and/or board loan committees.
• Evaluate and analyze the quality of the portfolio and monitor industry trends.
• Oversee the implementation and management of the Loan Risk Rating System, ensuring loan officers are trained to analyze the risk in their portfolios accurately.
• Responsible for the administration of the Management Watch List and ALLL coordination and ALLL documentation.
• Ensure that the ACL complies with CECL and accurately reflects loan impairments derived from the loan risk rating process.
• Provide management with a periodic analysis of external or overall portfolio trends for consideration in the ACL analysis.
• Assist the Accounting/Finance Department on credit-related accounting, call report, and Loan Loss matters.
• Responsible for preparing budget forecasts and expense controls for areas of supervision.
• Monitor and report on key macroeconomic trends to review and determine impact on portfolio.

Qualifications

Commensurate with experience.

Skills

Not specified.

Benefits

Not specified.

Pay

TBD.

Schedule

TBD.