Chief Credit Officer

Major Duties & Responsibilities

• Reports monthly to the division board on the credit quality of the overall portfolio.
• Attends Executive Loan Committee as a voting member and represents Division in GBCI projects and subcommittees as requested.
• Interprets and provides written analysis of credit-related reports provided to the business lending staff.
• Manages direct reports to maximize productivity, efficiency, and the potential of the human assets of the company, including: hiring, directing job assignments, monitoring staff performance, coaching, counseling, training, assuring compliance with regulatory requirements and organizational mission, values, policies and work rules. Appraise performance and provide recommendations for staff compensation, promotion, and termination, as appropriate.
• Maintains a strong credit culture within the commercial and retail lending operations.
• Collaborates with loan officers and credit analysis staff on the company’s overall lending policy, noting significant trends and recommending policy changes if necessary.
• Assembles information and reports pursuant to regulatory exams and outside audits.
• Provides guidance to loan officers and credit analysis staff on the company’s overall lending policy, noting significant trends and recommending policy changes if necessary.
• Coordinates the company’s credit underwriting and delinquency follow up.
• Participates in or actively leads special projects pertaining to credit administration or other company-wide initiatives.

Minimum Qualifications

• A minimum of ten years of experience would generally be required, including time spent in preparatory positions.
• A college degree in finance, accounting, or business. Graduate studies in business, finance, or banking preferred.
• The ability to motivate or influence internal or external senior level professionals is a critical part of the job, requiring a significant level of influence and trust.

Physical Requirements

• Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
• Sit; use hands in repetitive motions to finger, grasp, handle or feel;
• Stand; walk;
• Lift or reach with hands and arms.

Mental Requirements

• Must be able to perform job functions independently or with limited supervision and work effectively either on own or as part of a team.
• Must be able to read and carry out various written instructions and follow oral instructions.
• Must be able to speak clearly and deliver information in a logical and understandable sequence.
• Must be capable of dealing calmly and professionally with numerous different personalities from diverse cultures at various levels within and outside of the organization and demonstrate highest levels of customer service and discretion when dealing with the public.
• Must be able to perform responsibilities with composure under the stress of deadlines / requirements for extreme accuracy and quality and/or fast pace.
• Must be able to effectively handle multiple, simultaneous, and changing priorities.
• Must be capable of exercising highest level of discretion on both internal and external confidential matters.